Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm requesting validation for Pursuant 1692g. I have not been provided with validation of this alleged debt.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I will like for the CFPB and the FTC to see this blanket response from TSI regarding the dispute complaint that I sent them. Unless your office can provide debt validation within 15 days then I want this XXXX deleted from my credit report immediately. The CFPB and the FTC are to protect us from Third-Party debt collectors such as yourself. I attaching the computerized statements that they sent to me and this is NO WHERE debt validation. Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here along with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. TRANSWORLD SYSTEMS INCXXXX if not valid or verified properly, delete immediately. TRANSWORLD SYSTEMS INCXXXX XXXX if not valid or verified properly, delete immediately. At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. I demand these items to be provided which would be the name of source or contact, address, phone numbers, date, day, and time when contacted. I would also need type of item, date of first delinquency, date of last payment and if the account is open or account and if it is with the original creditor or a collection agency. Please send all documents with the information above. I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Company Response:
State: TX
Zip: 77039
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/XXXX Transworld Systems Inc reported an account under my credit that does not belong to me. I have tried for 2 months to get this resolved thru the credit bureaus and thru the collections agency at no avail. Transworld 's customer is XXXX XXXX. I have not been able to get a hold of who handles this account on the XXXX XXXX end because at the end of XX/XX/XXXX there was a merger in which XXXX XXXXXXXX bought XXXX XXXX but the merger did not include any Texas service address- the account in question was opened in Texas under a XXXX XXXX XXXX I have provided proof that I do not reside in Texas and that my name is XXXX XXXX. Note that the spelling on the account is slightly different as their costurmer 's last name is XXXX and mine is XXXX. I have never gone gone by the last name XXXX ( my maiden is XXXX ), I have never resided in Texas not done any business in Texas. I became aware of this account due to a credit alert. I was informed that the service address listed is XXXX XXXX XXXX XXXX Tx. The service date was XX/XX/XXXX. Transworld indicates that that they are waiting for XXXX XXXX to validate the account but they are not getting any response from XXXX. I was advised that XXXX XXXX took over those account with a Texas service address that were not assumed by XXXX XXXX- I have contacted XXXX XXXX but they informed me that they do not show my account on their system ( probably because it was already in collections ) and they referred me back to Transworld Systems .
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is a complaint about TSI - Transworld Systems Inc. I have tried to resolve this numerous times with them myself over the phone but to no avail. They claimed numerous times that they mailed me letters but they did not. They placed a collections on my credit for {$370.00} a couple months ago already, which is totally bogus. It's a XXXX XXXX bill that they and my insurance from 4 years ago have resolved but yet they put it on my credit WRONGLY. We sent them the insurance info about two years ago when they initially invoiced us but they claim it wasn't accurate bla bla. The insurance company is from 4 years ago and they long closed the case. I disputed it with the credit agencies as well and some have removed it from my credit. There is one or two ( out of the three ) that is still on because TSI claims it is correct, Well, it is totally dead wrong and should be removed. There is no one to talk to at TSI. They never figure out where the dispute status is up to and they never send letters in the mail. I request full legal action against them and to have the collection removed from my credit immediately. Thanks!
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have student loans with University Accounting Services LLC. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's XXXX who is a cosigner ) credit reports on XXXX it says there are 14 missed payments and our credit scores have gone down signficantly. My disputed the report which XXXX denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX UAS LLC which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. I have disputed on my report now with XXXX but it is unclear whether the problem is with XXXX or UAS both of which have been unhelpful. I have many many issues with UAS actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.
Company Response:
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from debt collector and I have no idea of what about because I have never had that kind of service. I was wondering how they have my information ( address, and my name ) I think this is fraud
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did go to the hospital but never received a bill in the mail, nor was my bill ever explained to me. The bill went to collections and I paid the balance in full immediately by phone with the promise of the collections being removed from my credit report. There were two collections from the same collector for the same hospital visit, it was just split into two separate bills and therefore separate collections somehow. I've previously disputed this situation via the CFPB who contacted the collector XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX and XXXX. Results from XXXX are still pending. The debt collector, XXXX XXXX XXXX, contacted the bureaus on my behalf as well and requested to remove the account from my credit report. The collection company did in fact confirm the collections should be removed. However, only one of the collections was removed from my account. One collection still remains and is reflecting poorly on my credit report. Probably a clerical error but it still needs to be resolved in exactly the way it was promised to me.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a continuation of this complain, XXXX. Transworld Systems INC and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. Please review and advise XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A