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 assigned date XX/XX/2020 has been sending me collection notices in the amount of {$200.00} 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 a contract with my signature
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: 2021-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems is attempting to collect on past due amount of {$130.00} owed to XXXX XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XX/XX/XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to Transworld or not..
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX pulled a copy of my credit report and saw a new collection/chargeoff from XXXX. I sent a letter to Transworld System Inc dated XX/XX/XXXX requesting a validation of the debt with no response. XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 2nd letter, certified to Transworld System Inc XXXX XXXX XXXX XXXX XXXX PA XXXX dated XX/XX/XXXX. It was marked delivered on XX/XX/XXXX. XXXX-I pulled a copy of my credit report and saw account still reporting despite the company never validating the debt or responding. I sent a 3rd letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 4th letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. As of XX/XX/XXXX, this account is still reporting and I have yet to receive a response.
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: What happened? FRAUDULENT COLLECTION TRANSWORLD SYSTEM INC/ has flagged your account as Collections on XX/XX/XXXX. Source : XXXX Company : TRANSWORLD SYSTEM INC/ Address:XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX ( XXXX ) XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/XXXX Balance : {$88.00} HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. Complaint : XXXX Complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT : Debt collection ISSUE : Attempts to collect debt not owed HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS. Previous complaint : HI there. This account was closed in XXXX of XXXX. I have returned the apartment and move to a different city. I remember I have complained about XXXX impersonators in the past. This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. All charges related to electricity were payed off and the account closed. Please see the XXXX email regarding this account closed.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: on XX/XX/2021 I received a letter from XXXX XXXX saying that my personal information including my medical records had been compromised on a cyber security hacked into their system on a letter that I will attach with this dispute. I had gotten multiple letters from transworld systems including medical records but when I ask them for medical release records in which I authorized third parties to have my medical records they totally ignore my dispute to the point that they are sending the same illegal and law breaking letters and just changing the date but still have the same response without providing medical releases. ON THIS DISPUTE I DEMAND TRANSWORLD SYSTEMS TO SEND ME MY MEDICAL RELEASES WITH AN AUTHORIZE SIGNATURE EITHER BY ME OR XXXX XXXX XXXX XXXX XXXX XXXXXXXX. IF TRANSWORLD DECIDES TO IGNORE THIS DEMAND I WILL HAVE NO OTHER OPTION BUT TO SEEK LEGAL COUNSELING. HOW DO I KNOW THAT TRANSWORLD SYSTEMS ARE NOT THE CYBER SECURITY HACKERS IF THEY CAN NOT PROVE OTHERWISE.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A Federal Perkins Loan was established in XXXX for myself. I completed my higher education in XXXX of XXXX and my loan was then eligible for payments in XX/XX/XXXX. Any time I received a bill in the mail, I paid it, via check in XXXX. This is shown in the enclosures that I made payments in XX/XX/XXXX to cover XXXX & XXXX of XXXX as well as XX/XX/XXXX to cover XXXX and XX/XX/XXXX. To the best of my ability, I do not recall receiving any other statements or past due notices in the mail. I also did not receive any emails or phone calls stating I needed to make a payment. When receiving a bad address notification, due diligence was not performed on behalf of University Accounting Services and I was not contacted via any other method with the information on file. My phone number and email address as of XX/XX/XXXX are still accurate. The information of this loan being delinquent and being reported to the three main credit bureaus as such is inaccurate because I did not receive notification that I had payments to make or that my loan was past due. I received 4 years of unfair late charges due to this diligence not being performed and not being notified of this loan still being open. UAS continued to submit information that was known incorrect, I am entitled under these laws to notices concerning the reporting, handling, and use of my credit information and was not notified of the negative handling of this account, another violation under the CRA. UAS failed to notify me when it supplied and continued to supply negative credit information. This would have been detailed in a billing statement but referenced above, they were not received, and all of these violations would have been avoided, had due diligence been performed on behalf of UAS in getting in touch with me. The company has not complied with my request to have this negative information removed from my credit report, even though I paid the full {$1300.00} on XX/XX/XXXX, including over {$350.00} of unfair late fees accrued over 4 years.
Company Response:
State: MO
Zip: 64152
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Transworld communication is pursuing a debt that was originally disputed and removed off my credit report on two different occasions. This company knows the debt is not valid but insisted to still pursue and use unlawful tactics towards me about a debt I haven't accumulated. This debt was originally under Adjustments mercantile collections before it was disputed and resulted to deletion off my credit report for inaccuracy I am a " XXXX '' of my father whom holds the same name. He has used my name in the past for opening accounts fraudulently
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now Transworld Systems is refusing to remove the collection from my report as well.
Company Response:
State: MO
Zip: 65714
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The 3 Credit Bureaus is reporting inaccurate information on TSIXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
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/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: XXXXX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A