Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRANSWORLD SYSTEMS INC is reporting a debt that is not owed. Attached is a copy of a statement from XXXX notifying me of cancellation on XX/XX/XXXX, it also shows the original date of delinquency is XX/XX/XXXX and not XX/XX/XXXX. Also is a copy of the contract between myself and XXXX. It is not signed by me or other parties. No documentation with my signature is even on file. Also in the contract agreement there is nothing stating that if this policy was cancelled for any reason funds we be due to XXXX or any other party. This debt is not valid. I have more proof that I do not owe this. I would rather avoid taking TSI to court. XXXX has given you paperwork for a debt that is not owed. XXXX is under investigation by the Georgia Insurance commission for improperly reporting a debt and violating my rights. Any further reporting by TSI I will have to file legal proceedings against them as well. I don't owe this debt. XXXX made a error on this account that was sent to be fixed in XX/XX/XXXX. They never fixed it and a computer error was made on their part. This is not owed and was never delinquent in XX/XX/XXXX. Either report the true date of delinquency or I will take legal action.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I never received a letter or was notified of having the debt. I was in communication with the debt collector while i was paying off my account and when i finished the pay off. I asked to see if there was any other account with them. They assured me there was not any other debt with them, then a few days later i saw another derogatory account on my credit report. They never attempted to contact me or notified me with the balance. I would have paid them, however they didn't notify me. I find this practice to be unethical and illegal, because before they report anything to any credit bureau they are obligated to attempt to collect the debt.
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021 a debt validation letter was sent to " TRANSWORLD SYSTEMS '' via " CERTIFIED MAIL ''. On XX/XX/2021 " TRANSWORLD SYSTEMS '' updated my credit file with all 3 credit bureaus with an account they have not verified causing damage to my credit score and file. As of XX/XX/2021 I have not received any correspondence from " TRANSWORLD SYSTEMS '' in regards to verify said account. In pursuant to 15 USC 1692g 809 ( a ) and ( b ) " TRANSWORLD SYSTEMS '' is in violation of the Fair Debt Collection Act. Violation # 2 if the original creditor " XXXX XXXX XXXX '' sold alleged debt to " TRANSWORLD SYSTEMS '', " XXXXXXXX XXXX XXXX '' CAN NOT continue to report on my credit file/s for the same alleged debt unless its a charge off which it is not listed as. Alleged amount owed {$7700.00}
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: TRANSWORLD SYSTEMS a collection agency has placed derogatory information on my credit report without due process, process to include, notifying me in writing regarding this alleged debt of {$1300.00} as well as never notifying me of my right to dispute or request verification / validation of this debt. The original creditor is : XXXX XXXX XXXX XXXX. This agency has placed invalid derogatory and damaging information on my credit report as valid when in fact it is not. My rights as a consumer have been violation pursuant to the FAIR CREDIT REPORT and FAIR CREDIT BILLING ACTs
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : __NATIONWIDE CREDIT INC. ; WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; XXXX XXXX XXXX, XXXX. NOW, THEREFORE! ON THE DATE OF XX/XX/2020. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM NATIONWIDE CREDIT INC . DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : XXXX {$20000.00} ] XXXX XXXX, XXXX XXXX AND XXXX DOLLARS, AND XXXX CENTS. [ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH XXXX XXXX XXXX, XXXX. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF NATIONWIDE CREDIT INC . CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT. REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : [ {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THAT, NATIONWIDE CREDIT INC., DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The data that you showed in my credit report I previously requested a proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have reached out to XXXX XXXX regarding a debt they claim I owe. They have not responded within the FCRA deadlines with the validation that this debt belongs to me. I am unfamiliar with this company or account and would like this rectified
Company Response:
State: TX
Zip: 76106
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had borrowed money from a former friend and she was repaid and she went to her bank and filed a fraud dispute with XXXX XXXX XXXX and they took back the XXXX which she lied about and stolen from me
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, TSI, Transworld Systems Debt Collection reported an unpaid account on my credit report - amount {$220.00}. The original creditor is an electric company in Texas, XXXX XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX. I had never even heard of XXXX XXXX. I contacted XXXX XXXX and they told me that my information does not match the information of the person who opened the account, including the social security number. They told me to contact TSI. I contacted TSI and they told me that the account opener had a different name than myself, and a different home address, but that my SSN was the number associated ( If the companies disagree on the SSN, somebody is committing fraud ), I opened a dispute with TSI and they promised to contact me. I filed a dispute with XXXX credit reporting and it came back simply saying that the information was verified. TSI never followed up and told me that they would do nothing.
Company Response:
State: IN
Zip: 47711
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had XXXX at XXXX for my dog in XXXX of XXXX. I have never received a bill or a statement saying I owed anything. The XXXX was XXXX that I paid in full. I received a letter a few days ago in XXXX of XXXX from Transworld systems inc. never heard from them before, called and they did not give me an option to dispute nor does it say in the letter that I can. I even contacted XXXX and no one has got back to me. I dont understand how I could owe {$100.00} when I paid {$3800.00} in full 4 years ago. I think this is a scam. I even emailed Transworld to tell them I have no debt with XXXX and they never responded. The past due/collections is already on my credit report.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A