Date Received: 2020-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2018- XXXX XXXX in the amount of XXXX this debt is not mine. I have disputed it
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX - Contacted Transworld systems prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX XXXX XXXX. XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. Followed up : XX/XX/XXXX. Company Stated : didnt receive dispute. I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. Company Stated : dispute was received. Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Transworld Systems is reporting on my credit report debts I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debts, which is required by law before inputting a collection on my credit report. They have reported 5 different accounts on my credit report, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debts and I check my credit report and see that they are reporting the collections on my report which is damaging my credit.
Company Response:
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Transworld systems had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who Transworld Systems.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: The lender offered DEFERMENT for in SCHOOL enrollment. Document was submitted verifying the in school enrollment. LENDER expects payment and threatens to report me to credit bureaus, reneging on its contractual agreement for IN SCHOOL DEFERMENT.
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have a person who XXXX for me that now owes someone money and it has been given to Transworld Systems Inc for collection. XXXX XXXX XXXX, XXXX Delaware XXXX, phone XXXX ( the number their calling from for collection on a XXXX XXXX ). I am not him, I am his former XXXX and I XXXX him for cause a while back. They are calling me on my personal and business phone trying to get him or information on him. I have repeatedly asked them not to call me, we do not give private information out on both XXXX and XXXX XXXX. They are disrupting my XXXX, they will not stop calling and if I block the number they call from another one. I am being harassed, I am not this guy and they have to know this because I will bet they got it off a form that said XXXX or reference for the debt their trying to collect on., -- when I tried to find out who they were by calling them back they gave me this number XXXX. I am not even the guy that owes them money only he listed my number on something as a reference and they will not stop calling me after repeated attempt of me explaining that I am not him and please stop calling. They are disrupting my XXXX. I am a very XXXX XXXX XXXX XXXX, and I am at the counter talking to customers when they call most of the time
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Complaint against : Transworld Systems Incorporated XXXX I've told this company multiple times to stop calling me. There is no debt I owe them or any other debt collectors. They continue to call my cell phone every 2-3 days and leave voicemails. All they state in the voicemail is that " this is a recorded line ''. They then state " hello, hello, hello ''. And they finish by stating " no response received. Disconnecting call ''. I receive voicemails like this every 2-3 days. Here is a history of all the call attempts made by this company in the month of XXXX alone : - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a phone call from Transworld Systems Inc. on XX/XX/2020. The automated voice message was from someone called XXXX requesting that I call phone number XXXX. The message said they were trying to collect a debt. The message said I should call them. I do not owe any money to this entity. They are also reporting false information on my credit report. I do not have any outstanding balances.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid settlement as agreed
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I viewed a copy of my credit report and saw collections listed on it that I know I do not have. I have written to the companies and to the bureaus on more than one occasion to have them remove these negative listings on my credit report and I have not received any response from them. I have not even seen on the credit report where they entered it as being disputed when I viewed a recent report. They are even reporting late payments on my credit report and I never had a late payment on any of my accounts. These negative reporting are affecting my credit scores and I want to get a mortgage but they are ruining me.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A