Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: False debt. Company never sent or emailed any damages or etc. I did not receive my deposit back from them either and they did not tell me why.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Trans world systems INC has been trying to collect a debt dated XXXX for a utility bill belonging to an apartment I have not lived in since XXXX. I have repeatedly disputed the validity with the bureaus and somehow they keep reporting it as accurate. I have attached photos of mailing with the name of the tenants that moved in after me as well as a copy of my lease dated XXXX. I called the company and explained all of this and was told I needed to file a police report for them to fix it. A police report for me to fix something that I have legal proof I am not responsible for? So I have to jump hurdles now for you to fix an obvious error? As if police don't have anything better to do than take a 4 year old report?! Just take the documentation and acknowledge the error and then change what you're reporting. It's as simple as that.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Transworld could not provide a validation letter with my consent giving them permission to add this account to my credit report and this is violating my privacy.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems Inc is the collection that appears on my. CRedit report is show g this collection that is not mine.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've sent complaints to all three credit reporting agencies including the debt collector and have not been provided with proof that this is my debt.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ON XXXX XXXX I got a letter in the mail from a company named TRansworld SYstems attempting to collect a debt that I do not owe. I have never had an account with said company XXXX XXXX or XXXX XXXX
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted the debt collection agency to verify the debt of {$7000.00} on XXXX XXXX. I asked for documentation to verify this debt. As of XX/XX/2023 I have not received information. The debt in question is from a utilities company that has never been in my name.
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Consumer received notice of an alleged debt account claiming to own an alleged account from affiliate XXXX XXXX under consumers copyrighted name XXXX XXXX. Upon research consumer have found that Transworld Systems Inc. either have no license or the proper license to collect on debt as a debt collector within XXXX. Consumer has filed complaint with XXXX. XXXX also stated that they are collecting a debt for XXXX XXXX as if XXXX company was hired by XXXX XXXX which appear to be a common deceptive practice from a debt collector. I ask that XXXX Please provide eventual documentation of your rights and interests for collecting on alleged debt. Please provide purchase agreement between your company and the XXXX XXXX concerning any matter of account in the name of consumer. The consumer has put on notice Transworld Systems Inc. illegal and deceptive acts against the consumer. Transworld Systems Inc. are attempting to collect on an alleged non-debt obligation. The consumer has notified your company that he seeks full validity using contractual interest, rights, and ownership of alleged credit account between XXXX XXXX and the Principal Consumer. The consumer requested previously to opt out of consumer reporting according to XXXX cfr XXXX reasonable opt-out opportunity must be provided. XXXX has failed to provide evidence and is considered to be in dishonor. Upon speaking with the IRS who has validated using documentary evidence via public access publication that a charged off, cancelled, discharged or collections account are considered income by terminology of certificate of indebtedness and must be accounted for as income providing 1099-C or 1099-A for its purposes as evidential documents as required by the IRS for the consumer and since its now treated as income per IRS, and according to consumer reporting agencies income is not included in consumer reports. Consumer has previously notified Transworld Systems Inc. of the foregoing information as well. If these accounts are being reported to consumer report, they must be deleted. Since my previous demand, Transworld Systems Inc. continues to be in default and its failure to perform according to law, the consumer will take it a step further in seeking remedy per 15 USC 1692k. Transworld Systems Inc. stated in their notice that lawsuit is being prepared against the consumer for alleged debt of the consumer. This is violation of California Rosenthal Act and FDCPA according to 15 USC 1692. Also I want to point out that XXXX XXXX has a mandatory arbitration clause on any disputes. Its a violation of contract for any adverse actions to happen without going through arbitration. Therefore, Transworld Systems Inc. claim is of owning alleged debt with rights to collect would be void in court. As stated before in previous claim you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. consumer did not authorize Transworld Systems Inc. to obtain in anyway my private information including alleged debt and use it against the consumer. Consumer have no contract with Transworld Systems Inc. Consumer also stated previously by notice did not verbally nor provide written agreement of sharing my personal information. Consumer would like to know who authorized Transworld Systems Inc. to obtain personal and private information without written consent? Please provide original security or any documents relating to an agreement between myself and Transworld Systems Inc. Please provide documentary evidence of my authorizing of Transworld Systems Inc. to open an account in consumer name and infringe on consumer credit report. As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. As the consumer previously stated to Transworld Systems Inc., under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer agreeing to the furnishing of information and consumer report can not have personal transaction history. This violation account on my consumer report has attempted to prevent the consumer from taking advantage under the full faith and credit his legal rights for equal and fair credit opportunities by damaging of the copyrighted name XXXX XXXX that Transworld Systems Inc. has opened an account under. The consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. Consumer is entitled to compensation per violation sharing and using not fully disclosing all information and intent of trading/sharing and profiting off consumer private personal information and violating Privacy Act 1974 and FDCPA. Proof of claim will be used to file suit for not only identity theft but also state and federal violations.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I randomly got a letter.
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A