Date Received: 2023-10-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I explained this was from previous home owners they came and picked up the equipment Never signed a contract with this company
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had XXXX out of state. I then received the expected co-insurance bills from unfamiliar names/ practices because it was out of state.While recovering, and not paying as good attention, I paid partial payments to everybody I had a bill from. When I was feeling better, I confirmed the remaining balances with everybody and paid them. All except one that I could not confirm. I think I fell victim to a scam, as I have no idea who this is. I sent XXXX partial payments totaling XXXX to XXXX XXXX XXXX XXXX, File XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. That address does not make sense. XXXX XXXX in California. I then got a letter from a collection agency stating they were trying to collect a debt from XXXX. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, PA XXXX. I wrote on the the letter they sent me explaining why I did not owe this debt, and asking for their help recovering the money I had sent to XXXX. Unfortunately, I did not make a copy of the letter. I mailed it back to them, and did not hear back from them. I did write the information down. So I called them with the account numbers to ask them what is the status. They told me they could not find any information in their system using my account number, or my name, and they had never heard of XXXX.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in XX/XX/2023. I started receiving email notifications as well as text messages about a debt owed to XXXX XXXX. Whats the temperature of it being collected on behalf of Trans world systems inc. me being very confused because I know for certain I dont owe any debt to the company mentioned I immediately sent in a request for death validation. This was done back in XX/XX/2023. I subsequently never received a response moving forward on XX/XX/2023. I noticed that the company was reporting this negative item as a collection on my credit report. I only asked that this be removed for the debt is one not validating in the amount of time given, and it is an improper an owed debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This seems to be the only way to contact this company. The first time they sent me a debt validation notice that was wrong for a {$380.00} debt. Said it was put in " restrictive status '' not sure what that meant. And they said they mailed the debt validation not on the XXXX as their paperwork indicated but on the XXXX which was a Sunday. Which turned out to be a provable lie. I tried to call them I faxed them no response. What is restricted can you still sell the debt is it erased? Filed a second CFPB complaint they responded with were having an internal investigation were closing the account. I have tried to find out what that means. I called them left messages. I want to know if they can resell this debt or if it's gone. They also are supposedly holding an internal investigation I don't know if that is true or not but I'd like to know the outcome of it. Who did what? What was the punishment? Why do I need to file CFPB complaints to hear from this company. I think it's fair to say they have violated the FDCPA enough times that they should confirm the debt is gone forever and pay me for these violations. Obviously I am the one this is about so I want to know what this internal investigation uncovers how thorough was it? I called left messages for the people they said XXXX XXXX and XXXX XXXX who seems to be pretty high up there.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have received only a couple of calls from Transworld Systems claiming I owe money. {$99.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.
Company Response:
State: MN
Zip: 55317
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed this on my credit today and it cost me XXXX points. I DO NOT OWE THIS BILL AND I NEVER HAD A XXXX XXXX XXXX ACCOUNT. I CALLED THE COMPANY AND THEY TOLD ME THEY DIDNT SEE THIS ACCOUNT UNDER MY SOCIAL SECURITY NUMBER.. I ASKED THEM TO REMOVE IT AND THEY TOLD ME THEY DON'T KNOW HOW BECAUSE THEY DONT SHOW ME HAVING AN ACCOUNT WITH THEM. I TOLD THEM THEN HOW DID IT GET ON MY CREDIT. THEY FAILED TO TRY AND HELP ME HOWEVER, THIS HAS DAMAGED MY CREDIT AND I WANT PENALIZATION FROM THIS COMPANY. THIS IS A COPY OF THE ACCOUNT ON MY CREDIT REPORT ON XXXX I SPOKE WITH XXXX XXXX, AND XXXX XXXX WHO CLAIMED HE WAS A MANAGER, AND THAT HE DIDNT SEE ANY ACCOUNTS FOR ME AND THEY WAS A BIG COMPANY AND HE DIDNT KNOW WHERE TO TRANSFER ME BECAUSE HE DOESNT SEE ANYTHING UNDER Y NAME, AND MAYBE A NEED TO GOOGLE THE COPANY AGAIN AND MAKE SURE IM CALLING THE RIGHT COMPANY OR CALL THE ORIGINAL CREDITOR WHICH I DID AND THEY DIDNT HAVE ANYTHING UNDER MY SOCIAL SECURITY NUMBER. THIS IS A COPY OF WHATS ON MY REPORT.. TRANSWORLD SYSTEMS I Last reported XX/XX/XXXX {$240.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX XXXX Report info
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection. The information on this collection account is extremely false and fraudulent. It states a date of service of XX/XX/XXXX with an innacurate service address. The apartment I reside at was yet to be built in XXXX. The account now states that it was in collection on XX/XX/XXXX. This original creditor has tried to open a collection in my account in the past which I also disputed and was taken off my credit report and is now reopening a collection under a different agency. This is against the Consumer Financial protection bureau and this collection agency is violating the Debt collection practices. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this collection account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS INC, for committing identity theft. I have never given TRANSWORLD SYSTEMS INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with TRANSWORLD SYSTEMS INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving TRANSWORLD SYSTEMS INC any right to collect on this alleged debt. I have never received any documentation requesting validation from TRANSWORLD SYSTEMS INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS INC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS INC, continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS INC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a credit bureau notification that a collection had been initiated by Transworld Systems , INC, for a XXXX uncollected debt from XXXX XXXXXXXX XXXX XXXX I contacted Transworld and filed a dispute. Dispute reference number is : XXXX They did not confirm receipt for the information I sent. I also contacted XXXX XXXX today. They indicated the debt was for a residential XXXX account with the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have never lived in Texas and have never owned property in Texas. XXXXXXXX XXXX confirmed that the account was terminated in XXXXXXXX XXXX and was established using my social security number.
Company Response:
State: MT
Zip: 59718
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX from XXXX XXXX XXXX XXXX I never even heard of these people.. ( FRAUD )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A