Date Received: 2023-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Whom it May Concern, I hope this correspondence finds you well. Last XXXX XXXX XXXX I received a letter from Transworld Systems stating that I owed XXXX {$1400.00} and had until XX/XX/XXXX to call or write to dispute the debt. I called them on XXXX to advise that I did not know what this debt was and had not received any other correspondence/bill from them or from XXXX. I asked if they had any additional information about this supposed outstanding bill and the only thing they could tell me was that it was from an account in XXXX. When I asked why I had not heard anything about it until now, they did not have an answer for me. So, I disputed the account with them on the phone that day ( XXXX ) and requested a validation letter/itemized bill for the amount requested. I was told that they needed to request that bill from XXXX and to check back with them in XXXX business days. I was also told that they would mail me a validation letter/itemized bill to the address they had on file, which was the same address as the initial letter they mailed me on XXXX. I called them again on XXXX to ask if there was any update as I had not received anything in the mail yet. They told me that I did not need to keep calling because I would receive a validation letter in the mail from them. However, I was concerned about something falling through the cracks and just wanted to keep double-checking out of concern of this hitting my credit report so I kept calling. I called again on XXXX and also XXXX and these phone calls were identical to the previous two calls. I was told the account was still in dispute and that they were still waiting to hear from XXXX before they could produce a validation letter. In doing some research throughout this time I found out that a debt collector is required by law to produce a validation letter/itemized bill and are required to do so within 30 days of originally requesting it. I originally requested this on XXXX. On my XXXX and XXXX calls with Transworld Systems Incorporated I indicated that this was way past the 30 day mark to produce a validation letter/itemized bill and wanted this debt collection attempt to be terminated. They told me that the only thing I could do was keep waiting. Subsequently, I found out on this past XXXX ( XXXX ) that this was reported to all credit bureaus resulting in a substantial derogatory mark and decrease in credit score/rating. I called Transworld Systems Incorporated earlier this morning ( XXXX ) stating that the account was in dispute and that I still had not received a validation letter/itemized bill and that this has now been reported to all three credit bureaus. They are still unable to tell me what the bill is even for. I requested this negative item be removed from all credit bureaus and this request was denied. This has been an extremely upsetting experience. I feel as though I went above and beyond to try and sort this out and that my rights were substantially violated. Attached is the only mailed correspondence I have received from Transworld Systems Incorporated, the original letter dated XXXX Regards, XXXX XXXX
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been trying to have a collections account in the amount of {$410.00} awarded to my ex-spouse in our divorce removed from my account for over a year now. ( First removal process was XX/XX/2023 ) Transworld Systems on the behalf of XXXX XXXX XXXX utility company ) has done everything they can to avoid removing the collections account, even after I have submitted the divorce decree to them for review multiple times. The debt is not my responsibility and my credit score continues to suffer due to the questionable practices at Transworld Systems. They actively refuse to provide any information about my collections account removal process, refuse to provide a deletion letter, and repeatedly ignore my phone calls or hang up on me. I have spent hours on hold trying to have this issue resolved over the past year and yet they refuse. Collections practices like this are not only immoral, but also illegal.
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have no knowledge of this service.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TRANS WORLD SYSTEMS INC. IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Upon reviewing my consumer report online through XXXXXXXX XXXX XXXX XXXX XX/XX/2023 I discovered a negative collection account that I had no knowledge of. I also had not received any written communication from Transworld in regards to the alleged debt. i sent a letter to the company the XX/XX/2023 informing the company of violation of FDCPA 1006.30a and 15 USC 1681. I requested the deletion of the account from my consumer reports and the company 's accounts. It has been beyond the 30 days required by law to respond. The company has not responded and are therefore in violation.
Company Response:
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I see this company on my credit report and its causing damage to me and my family members. I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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 ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15\nUSC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. This is neglect on the reporting company, and they should be held accountable for this horrible mistake. I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Transworld Systems Inc FDCPA Violations FDCPA violations and CONSUMER LAW violation to TRANSWORLD SYSTEMS INC using 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Communication with third parties XXXX, XXXX, XXXX 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors -- ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector 's noncompliance was intentional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This company did NOT send me all the validating information that I requested, instead they decided to just send a bunch of statements to " prove '' that the debt is mine which is a clear violation of the fair debt collection reporting act. Additionally, I requested a specified cease of communication for the account # XXXX to which they also did not comply with. This further violates the FDCPA to which I am willing to take legal action. In my validation request I demanded that they show me proof that I had indorsed a contract/instrument with Transworld Systems Inc to which they did not provide. I also asked that they send me the entire purchase agreement, which they did not provide. I ask them to send more validating data pursuant to 12 CFR 1006.34 which again they did NOT provide. Furthermore, Transworld Systems Inc reported this information to consumer reporting agencies ( to whom they call business partners ) without validating the alleged debt first which is a complete violation of the fair credit reporting act. To be more specific 15 U.S. Code 1681s-2. It is clear that Transworld Systems Inc does not care about the federal laws set forth by congress and is willing to break the laws in order to make a financial gain. Instead of honoring my cease communication notice, they decided to just mark it as " disputed ''. This violates 15 U.S. Code 1692c ( c ) which states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. These are unfair practices that they are using to clearly harass, oppress and abuse me. I will be submitting a complaint with my state attorney general in addition to this cfpb complaint. If this matter persists, I will seek litigation for damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A