Date Received: 2023-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got treatment in XXXX XXXX XXXX XXXX XXXX for accident on XX/XX/XXXX. I paid all my bills in XX/XX/XXXX. After this incident I never went to this hospital for any treatment but hospital sent me bill for treatment happened on XX/XX/XXXX. I called them more then XXXX times spoke to employee name XXXX to clear I was not at their hospital after XXXX maybe someone else used my social number to get treatment. But they send this bill of XXXX to collection on my social. Now it's showing as derogatory mark on my credit.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Told them to quit calling, dont listen, call from different numbers
Company Response:
State: ND
Zip: 583XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of TransWorld Systems Inc reported to XXXX that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or Transworld Systems Inc. I have never received any notices from either company in regards to the matter. I have tried to contact Transoworld Systems Inc with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and Transworld Systems Inc ( ref report number XXXX ). On XXXX I spoke to representative from XXXX by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX or Transworld Systems Inc for that information. I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my reports.
Company Response:
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I received an alert from several credit monitoring services that a new collection account was placed on my credit report as of XX/XX/2023 from Transworld Systems. Transworld Systems never contacted me by mail, phone or email, about any debt, nor did I give them consent or authorization to access my credit reports from any credit reporting agencies. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX AND XXXX HAS TRANSPIRED AGAINST ME TO REPORT INACCURATE INFORMATION ON MY CONSUMER FILE TO STOP MY XXXX GIVEN RIGHTS. ON XX/XX/2023 XXXX POSTED A COLLECTION TO MY ACCOUNT WITHOUT MY WRITTEN CONSENT OR A VAILD BINDING CONTRACT. CONTRACT LAW HAS TO BE MUTUAL ASSENT AND CONSIDERATION ( VALUE ). XXXX NEVER DID A PROPER INVESTIGATION TO SEE IF THE INFORMATION THEY ARE REPORTING IS ACCURATE. ARTICLE 1 SECTION 10 OF THE CONSTITUTION STANDS AS TRUE AN NOT JUST A MERE WRITING. BELOW I HAVE WRITTEN A NOTICE. PLEASE READ AND REMOVE IMMEDIATELY FROM MY CONSUMER PROFILE. THIS IS IDENTITY THEFT AND WITHOUT A BINDING CONTRACT AND WRITTEN CONSENT YOU HAVE NO RIGHTS TO POST INACCURATE INFORMATION ON MY CONSUMER PROFILE WITHOUT A VALID AGREEMENT BETWEEN THE COMPANY ( XXXX XXXX ) AND I.
Company Response:
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: this is on a rental from enterprise claiming i owe XXXX on claim of an accident that insurance paid and now trying to get from me when the insurance company paid
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company came from nowhere impersonating in the subject of the email : XXXX XXXX XXXX XXXX. Which is a different company. Trying to collect something I don't owe in behalf of XXXX without providing any evidence of what's owed, and no evidence, that they can ask for money. I believe using false information in communication should be punishable by law. Additionally, no information how to ask for evidence of accuracy of their information was provided.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to dispute this debt. The law says I must do so in writing. However, the letter from Transworld Systems does not include the address for XXXX XXXX XXXX, the contact listed in their letter. There's only a phone number. Would you kindly provide an address so that I can write to your contact? In response to said letter : Transworld systems did not provide verification of the debt. As the debt collector, Transworld Systems should only pursue debts they can verify. XXXX, the original creditor is in possession of documents and records of conversations between myself and their corporate offices : XXXX XXXX, XXXX XXXX and their billing department that proves I do not owe this debt. This debt can not be verified if Transworld Systems does not request from XXXX, and XXXX produces a full disclosure of all documents and communications pertaining to this debt they claim I owe. I am asking Transworld Systems to kindly request all said documents and communications from XXXX. As I stated in my original complaint through CFPB, XXXX sold me faulty equipment, refused to correct the problem for months. During these months, I did not receive the Internet service I was paying for. When XXXX finally fixed the issue, they then " upgraded '' my service without my informed consent. This shady business act led to an increase in my bill. I do not owe this debt and in fact, XXXX owes me for services I paid for, but did not receive due to their faulty equipment. Continuing to pursue this debt without obtaining full disclosure from XXXX of all the documents and communications related to this debt would be an unfair assumption without all the facts, and would not constitute verification of this debt. Additionally : I kindly ask that In the pursuit of this debt, Transworld Systems contact me only in writing and at the address submitted through CFPB.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Delete all errors on credit report and my scores
Company Response:
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a notification from XXXX XXXX that as of XX/XX/XXXX that I have a debt collection now attached to my credit. Which I have never had in my life. I logged into XXXX XXXX and clicked on the details. It shows that an account was opened on XX/XX/XXXX of XXXX with an opening balance of {$520.00} with a company called XXXX XXXX XXXX and that they sent it to collections for non payment to a collection agency called Transworld Systems. I have never opened an account or had any business dealings with XXXX XXXX XXXX or Transworld Systems. XXXX XXXX XXXX apparently provides " electricity '' to residents of Texas. I have no affiliation with anyone or anything in Texas. And I have never even been to Texas.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A