Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice of debt collection through XXXX. I contacted the account holder, Transworld Systems. They told me that the debt was for an account with XXXX XXXX XXXX in the amount of {$1500.00}. Service for this account ended in XX/XX/2023. I informed them that I have never lived in XXXX or at the address they provided to me. They told me I would need file a police report for identity theft. I have done that and have a case number I can provide. I have also submitted a dispute with XXXX on the collections report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66208
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: TRANSWORLD SYSTEM INC/ - Amount owed per credit report {$320.00} - I had received an notification that my credit report had changed and saw that this company had reported a negative account I wrote the address listed on the report requesting to have the account confirmed with the account audit trail being provided along with my written certified signature so I can confirm my signature this information has not been provided. I also requested to have the company license number that gives them the right to collect in my state. I have not received anything I have requested nor have I received the document according to the law that states that a debt collector must provide written notification to the consumer with the name address and contact information for the original creditor this has not been displayed and need to have actions taken upon on a state and federal level I am asking that this account be removed and everything i requested be provided and that all forms of communication stop effective immediately. CEASE AND DESIST ALL COMMUNICATION INCLUDING USING THE MEDIUM OF CREDIT REPORT TO INDIRECTLY COMMUNICATE.
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX is seeing an account being reported exclusively with his XXXX XXXX profile asserted through a debt collection agency Transworld Systems . The account is allegedly consistent with a XXXXXXXX electrical utility relatioship the debt collection agency Transworld Systems is purporting is verifiable debt. XXXX XXXX has an active account with XXXX for electrical utility service, and the balance is at a XXXX amount. This is a fraudulent assertion and the remarks are inaccurate. XXXX XXXX contacted the debt collection agency and was provided an affadavit and a point of contact for return and review consistent with this alleged debt owed by and through a relationship with XXXX for utility service, despite reporting the account as fraud and maintaining a current electrical relationship with XXXX XXXX where as of today the balance is at a XXXX amount.
Company Response:
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email at XXXX XXXX EST today ( XX/XX/2023 ) from TSI asking that I owe XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$52.00}. I have not contacted the debt collection agency. My last name matches with the last of the actual person. TSI created an account using my email address without my knowledge.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023 a collections claim was placed on my credit report under the company of Transworld Systems INC. I contacted Transworld and in order for me to verify with them but they wanted me pay them {$1.00}. I did not pay the amount requested because I did not trust the company or claim. I then went to XXXX and ran a credit report with them looking for collection claims. A claim on my credit report was present in the amount of {$280.00} for a utility company XXXX XXXX XXXX XXXX in XXXX Texas. Contact XXXX. I then contacted them to verify. After confirming there was an account opened under my social and name, I told them that it was identity thief as I am not a resident to Texas, do not own any property in Texas and do not have any family or friends in Texas. The rep was understanding and summitted a claim in on the company 's behalf but told me I would have to report the claim to FTC, submit an identity theft claim report, and a police report. I was provided with a claim number of XXXX.
Company Response:
State: NY
Zip: 11793
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: there is a fraud account that was opened in my name. I have requested information on all accounts in my name. the company can not verify my signature. the company has never sent me anything on this debt. I have never opened an account with XXXX XXXX. XXXX just keeps selling this debt off to XXXX different collection companies. The amount they are trying to collect is {$460.00} This account was opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.Threre is not even a house at this address, it is a vacant lot. I have never lived in XXXX XXXX. I have never given anyone permission to open an account with XXXX XXXX. I have been dealing with this since XXXX. Someone used my previous married name. I have not used that name since XX/XX/XXXX. I have disputed this debt with the credit bureaus several times. Each time it gets taken off as fraud, until XXXX resells the debt to another collections company. Then it returns to my credit report. then the cycle starts all over again. I want this information off all my credit reports and blocked from ever getting reported back on again. This has been reported to XXXX XXXX, XXXX state attorney 's office, Federal Trade Commission ( identity theft report ), local XXXX sheriff office, the XXXX in XXXX XXXX, all collection companies, XXXX XXXX XXXX XXXX XXXX XXXX and the internet crime complaint center. The social security admin fraud department. My next recourse will be to contact an attorney.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was first contacted on XXXX by a phone number matching my phone 's area code but not matching the area in which I currently reside and was asked to verify my address. After giving only the numbers of my address, I was told I was correct and was informed I owed a debt to my current power company. After checking myself that I did not in fact owe that amount at all, I double-checked with the collector what the full address was that he was collecting for. At this time he gave me the number I had said, followed by the street name for a previous address I had lived at, combining the two into one address that does not exist. At this point, I became suspicious and called the collector out for having a fake address at which point he hung up on me. I then called the number back to check if it was a cloned phone number, and the woman who picked up was very shifty when I asked what the company was, attempting to collect information from me without revealing whose number this was. She then dropped the standard " this is a debt collection call '' script on me before attempting to collect for the address that - sure enough- was the incorrect amalgamation of two addresses. When I asked her to type the address she had into XXXX XXXX to see if it existed, she verified that it in fact did not, but attempted to place the blame on the company they were collecting for. I then called the company and spoke with several departments to try to find out if they had ever done any business with this collections agency and it turned out that they had not. Calls like this have continued now, at some points interrupting my work and being made after XXXX XXXX and every time I identify that the address they have doesn't exist and that they are trying to scam me they hang up.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Transworld has posted a collection account to all 3 of the credit bureaus for XXXX. The original first date of delinquency is even older then the XX/XX/2017 that they say. This debt was previously posted on my credit reports years ago and went past the statute of limitations on it. I had all 3 bureaus investigate this matter and XXXX saw thru and removed it, XXXX and XXXX did not, although I'm having it reinvestigated thru XXXX. It would appear to me that Transworld pulled some finagaling in regards to this and posting it to my reports as if it is some new debt, which it is not. As I understand these type of tactics are unfair and illegal. I have never admitted to debt, arranged any payment plan or recieved any correspondence from/with Transworld.I would like this matter to be put to rest and stop the harassment of reposting this
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: This collection just appeared on my credit report one day. It is also listed under another name. I have 2 first names and only one of them match. Maybe it is meant for the other person but I have no idea how it got attached to my SSN. I also did not receive any letters in the mail, any phone calls or emails notifying me of this alleged debt before it was posted to my account. I assume it is the same alleged debt but on my credit report, it is listed as an open account under different original creditors and different company names.
Company Response:
State: TX
Zip: 79603
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A