Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Contacted Collectors several times .They have never validated he debt .But continue to report it on my credit report. FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 f ( 8 ) Any language or symbol on the envelope that indicates the communication concerns debt collection 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 3 ) Must state Right to Dispute within 30 Days 1692 g ( B ) Collector must cease collection efforts until debt is validated FCRA violations : Re-aging the debt, reporting re-aged date of last delinquency. Letter is attached with a image of account listed on my credit report.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
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: I've been disputing a collection account with Transworld System Inc for an entire year. I began sending written communication to them XX/XX/2020 & every XXXX after that until XX/XX/2020. To date, I still have not gotten a single response. I notified them that I'd paid my final bill with the original creditor XXXX XXXX XXXX XXXX XXXX Co XXXX before relocating & asked for verification of this debt. After sending multiple requests with no response, I sent several requests for them to remove this collection account from my credit report. Initially it was only listed on my XXXX credit report. Transworld Systems Inc has not only ignored my requests for deletion, they've now taken it a step further by adding this collection account to my XXXX XXXX XXXX credit reports causing further damage.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Transworld Systems has been reporting a collections account on my credit report that was opened on XXXX that is not mine. On XXXX I sent them a certified letter asking them to to provide me with validation of the debt .I never received any response or any verification of the debt. On XXXX I sent them a second certified letter advising them that they never responded to my request to validate the debt and they are in violation of the fair debt collection practices act and requested that they immediately contact the three credit bureaus and have the incorrect information removed from my credit reports. They never responded to me and continue to report this incorrect information on my credit reports. They also notified the credit bureaus that this information is correct.
Company Response:
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed with all XXXX bureaus as to whether this debt is actually mine. I have attempted to contact XXXX and they are unable to produce any billing statements or invoices. CA continues to report to CRAs with this debt and there has been no evidence produced that proves this debt belongs to me. All XXXX credit bureaus are unable to produce any documentation that verifies this debt is mine nor when it was originated or when it went past due.
Company Response:
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am contacting you regarding a company Transworld Systems Inc. ( TSI ). They have made numerous collection calls to my person cell phone attempting to collect a debt on a person I have no relationship to ( XXXX XXXX? ) and no relationship to this debt. Attached is a letter that further described this situation, verification my cell is on the national do not call registry, cease and desist letter, call log, documentation from cell phone carrier, and whiteness statement. I have also provided documentation of hundred of complaints that were submitted to the XXXX to support they are a repeated offender. I have sent this via certified mail. I attempted to resolve this matter via e-mail and phone. My phone calls was not returned. Thank you, XXXX XXXX
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX misreported an account by charging it off after an agreement had been made. The debt was settled prior to XX/XX/2021. It was agreed that if the 1st of 3 instalment payments were made the account would not be charged off. I paid the account off in full on XX/XX/2021. I called the bank rep and reported the account paid in full. She apologized for the banks error and stated she would do whatever to help resolve this issue.
Company Response:
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Had a medical bill of {$110.00}. Balance is {$0.00}. Never received a letter of payment. Have spoken to Transworld Systems Inc. ( TSI ), multiple times beginning ( recently ) on XX/XX/2021. I was told that yes I had paid, and then no I did not pay. I was told a letter confirming I had a zero balance was coming by fax and/or letter XXXX times. Then I was told no letter had been sent. Then I was told I would not receive a letter. I have been told Transworld did not report the event on my credit report ( see attached ). I have been transferred approximately XXXX times, disconnected, different conflicting statements by each person I communicate with. I have a XXXX balance, they XXXX saying a letter was sent, and then they said they wouldn't send the letter. In the middle of a question they put me on hold to shut me up. I just need a letter stating what their records show, that they were required to send but didn't. They've XXXX to me for weeks. I have no way of knowing if anything they say is true because their story keeps changing and they've XXXX.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX misreported an account by charging it off after an agreement had been made. The debt was settled prior to XX/XX/2021. It was agreed that if the 1st of 3 instalment payments were made the account would not be charged off. I paid the account off in full on XX/XX/2021. I called the bank rep and reported the account paid in full. She apologized for the banks error and stated she would do whatever to help resolve this issue.
Company Response:
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please see the attachment regarding University Accounting Services, LLC. This is the servicer of student loans that XXXX XXXX somehow obtained despite the fact these loans are not loans that are legal to collect for. When I attempted to contact the ceo XXXX XXXX as well as the customer service of UAS and XXXX XXXX via email none of the parties replied. After I sent a complaint to the NY DFS and CA DFPI I received a response from UAS that states that they have not attempted to collect on my loans or sent it to a third party collection agency. However, this contradicts the phone call I received from XXXX XXXX who stated they obtained my information in XXXX of 2021 but called in XXXX of 2021, it occured after I attempted to send a NJ Bar complaint regarding the loan company Younomics former general counsel XXXX XXXX and believe it might have prompted a chain of events. For UAS to claim they have not sent my loans to a third party while XXXX XXXX has my loans is the issue. However, these are also not loans UAS is entitled to collect for and the loans should be removed altogether. In the complaint to UAS which they responded to only the NY DFS before the response the issues was and continues to be that the student loan servicer UAS sent my loans to XXXX XXXX and it is only through a voicemail from this third party collector with number that I learned about there has been any sort or collection activity, it's not just that they have not sent me any mail or emails it's that Younomics sued me and the case was dismissed and they have no right to collect, I had already disputed and removed the loans - it was illegal collection activity and behavior at the time and the case I believe was a total fraud. In sending to the third party, they did not know anything about this legal case and are proceeding as if nothing has happened. They do not have the right to have a 'fresh start ' collecting on loans they have no right to collect for, but in this clear lapse of information I am set up for even more victimization. I need for the loans to be immediately removed and I believe both Younomics and UAS link to larger crimes I am being victimized by. I would like to assure that these loans are permanently removed.Furthermore, UAS was not the party that was apparently the lost servicer of these loans. As stated in my complaint, there has been no collection activity from UAS - they have not sent me any mail, or emails for years and Younomics attempted to sue me then dismissed the case. During this time, I believe I was still being victimized and when Younomics relocated from XXXX XXXX to XXXX XXXX and XXXX XXXX XXXX was the servicer, I felt it was suspicious - hence I made another CFPB complaint. I would like the highlight the response I received from XXXX XXXX XXXX in the response to my complaint the new servicer XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) stated after our legal case was dismissed : " There is no longer any collection activity by XXXX or XXXX on Mr. XXXXXXXX XXXX Education loan held by Younomics, and therefore, the parties believe Mr. XXXX has no further claims or complaints to be addressed and consider their legal obligations in this matter complete. " This response came from XXXX XXXX XXXX, they are the new servicer of Younomics. It is not clear how UAS still is a factor, they have not sent me any sort of mail or emails from UAS in years and I also had a legal case with Younomics, and then somehow very recently they sent these loans to collections. It is not just the loans, as I describe in the UAS attachment, the issues link to larger crimes affiliated with the student loan company Younomics. In addition to the pdf I have also provided a few younomics affiliated emails, I believe they are actually hijacked emails that the targeting from corrupt law enforcement with any sort of forensic analysis that my efforts at dealing with these loans, that they actually connect to corrupt law enforcement and the service I have received is an injustice apart of this also.
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld systems added direct energy to my credit of {$550.00}
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A