Date Received: 2023-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I was notified VIA email through the XXXX XXXX - XXXX XXXX XXXX XXXX that a collection agency placed a collection charge on my Social Security number. I looked into the company name, Transworld Systems, and found it was a debt collections agency. I spoke with a representative there who let me know that a XXXX XXXXXXXX XXXX, XXXX XXXX, had six different accounts opened using my name and Social Security number ( I live in New Jersey, I have never visited Texas, nor do I have friends/family that live there ). I asked for the account numbers and balances at that time. I, then, submitted a fraud report with their customer support team. They let me know that they will investigate on their end and send me paperwork to process on my side. I went to my local police station and filed a police report which will be available for me to pick up XX/XX/XXXX or XX/XX/XXXX. I was also directed to file a fraud/identity theft report with the FTC. The next steps were to send a copy of the police report along with the FTC report to the electric company to process the dispute on their end. I called the collections agency again ( today, XXXX ) to confirm the information and they also provided me with the dates of end of service as well as the addresses for each account, XXXXhree of which were opened on the same day. I learned that the accounts were opened under two different companies, XXXX XXXX and XXXX XXXX, both of which are under the bigger company, XXXX XXXX XXXX. A fraud report is submitted on their side to help prevent additional accounts from being opened with my name and social security number.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I lived at XXXX XXXX When I left I wasn't aware I owed an balance. After applying for a new apartment I was told that I owe XXXX XXXX money from the time I lived there. I contacted XXXX XXXX and I was told that there were not reporting the amount I owed to the credit bureaus and offer me a payment plan to settle the debt but I instead paid it in full which was {$440.00}. After paying I waited a couple month and contacted the collection company Transworld System INC that was reporting I owed {$1000.00}. After contacting them nothing was changed they hung up on me and was very rude. I dispute this with the credit bureaus but it updated with a new balance of {$1100.00}.
Company Response:
State: IA
Zip: 50317
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: i found out through a public figure on social media that Congress passed the FCRA law that protects my rights and privacy and that I can remove credit card debt, old bills charge-off accounts, and collection items. This person also stated that it's illegal for a collection agency to buy up my debt and come after me. During the pandemic, I've been unable to make payments and I am still trying to catch up on bills. This collection agency threatened to sue me. My debt is now higher than my income. XXXX XXXX XXXX sold my account to collection agency : TSI ( transworld system inc )
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I got medical treatment on XX/XX/2023 and I paid my expense from my XXXX account ( XXXX issued check on XX/XX/2023 ). I got several notification from my provider that my expense is past due and I contacted XXXX account and got the copy of check and sent it to the provider in accordance with provider 's request. It seems like XXXX issued check to the doctor not to provider ( XXXX XXXX ) and the provider is now trying to locate my payment with contact to the doctor. But in the middle of this, I got the notification from you that I owe you {$120.00}.
Company Response:
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: During a security clearance check for my employment ( I am a XXXX in the XXXX XXXX ) a collection account was discovered on my XXXX profile showing I owe XXXX dollars for an XXXX XXXX XXXX in XXXX. I have lived and worked without any break in service since XXXX in XXXX, XXXX and the XXXX. I am including my XXXX driver 's license showing I am a resident of XXXX now, since XXXX. A third party opened the account in my name without my knowledge or consent. This must be investigated, and removed from my profile since it clearly is, and never was my account.
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Lender replaced the portal with UAS XXXX and I can not access the statements. When I try, the screen just turns gray and links to " null '' I need access to my current statement or payment will be delayed. How can I pay without a statement?
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I received a letter ( see attached ) with File : XXXX ( without my name ) from the debt collection agency, Transworld Systems Inc ( TSI ), dated XX/XX/2023, stating that I owed {$85.00} from XXXX XXXX XXXX XXXX. I did not contact TSI, thinking the letter must be a mistake since my name did not appear on it. A 2nd letter dated XX/XX/XXXX was sent to me, now with my full name ( see attached ), stating that they did not receive a response concerning a past due of {$85.00} with XXXX. I wondered, since I had no account with XXXX nor conducted any business with them, I considered it as a " Fraud '' charge. I contacted XXXX XXXX, and they confirmed that they did not charge this amount, nor did I not have an account with them. I contacted the TSI, a collection agency, and they said the amount they collected was with XXXX. Still, when I mentioned that I had already gotten XXXX confirming that this amount did not exist, the TSI rep said this amount was for other charges by the vendor, not even mentioning the vendor 's name.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: A company, Transworld Systems Inc., is attempting to collect an unpaid toll claiming to represent the XXXX XXXX XXXX. I have checked the XXXX website and checked my information and found there is no outstanding tolls attributed to me. This company is committing fraud through email. I have replied and told them to stop. Here is their company information : TSI Physical Address : Transworld Systems Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Company Response:
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from transworld services Inc, about a debt I owed supposedly from XXXX from XXXX formerly XXXX XXXX XXXX, that is not mine. It contains the amount of {$460.00} and original account numbers and reference number s also states it original came or was sold to XXXX XXXX XXXX XXXX I can forward the email if necessary. I have never had a gas bill that I have had to pay anywhere in Missouri, and I have lived with my parents since XXXX
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner thank you and god bless
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A