Date Received: 2023-06-02
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: Good afternoon Consumer Financial Protection Bureau, I am contacting you because a loan was opened using my wife and I social security and personal information. We got our passports, credit cards, social security cards, and banking information stolen. My wife and I we saw a loan called XXXX that was opened under our name while we were shopping for a car then we decided to contact the company. After months of contacting the company, they decided to send me a bunch of paperwork for a fraud dispute, I completed all the paperwork more than six months ago. I been calling the company for six months and they keep saying " don't worry we going to escalate this issue and get back to you. '' the company has not done anything and they keep negatively reporting on my credit. They stopped answering my emails and they are not interested in solving the problem.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Transworld Systems Incorporated contacted me on XXXX XXXX and stated that I still owed them {$9000.00}, but I was making payments to them every month for {$110.00}, they said I still owe 46 payments of {$110.00}, I agreed to the amount. I just want to know if I really owe that much back to them? Thank you
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2023 I was notified by XXXX XXXX that my credit score had changed. When I logged in to view it I noticed it had dropped 60+ points. Confused I started to look at why it had dropped and noticed I had 1 derogatory mark on my XXXX and 2 on my XXXX. Looking at those they are 2 separate collection companies, Transworld Systems and XXXX XXXX, looking for debt payment. The original debt owner is XXXX XXXX... I have never had an account with XXXX XXXX. One amount is for {$540.00} and the other amount is for {$360.00}. I called XXXX to ask how this happened and was told they had 3 total accounts under my social security number but not all with my name and all 3 were in cities I have never lived in. I have filed a police report ( # XXXX ) and XXXX has started a fraud investigation. I also put a freeze on my XXXX, XXXX, and XXXX accounts. As a result of this my husband, XXXX XXXX, checked his credit report and has 7 reported debt collections from Transworld Systems, XXXX XXXX, and XXXX XXXX with the original debt owner being XXXX XXXX. The amounts on his credit report are : {$500.00}, {$570.00}, {$600.00}, {$910.00}, {$150.00}, {$700.00}, and {$370.00}. I called the police and they said we can use the same police report ( XXXX XXXX ) since our issues are with the same company. After that I called XXXX to see how many actual accounts they had under his social security number and they told me they had 60 accounts all in cities he has never lived in. They have started their fraud investigation and told me I should go to the FTC to file a report which sent me here. We have also put freezes on his XXXX, XXXX, and XXXX accounts.
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This people send letter about a medical debt i am requesting info and they no respond i attach here the info i need, this violate Hipaa law. Also this account is the same i received from another collector " XXXX '' and the account was removed after my complaint NOW you tried to do the same!
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My credit report shows a debt in collections that I do not owe, never did business with the company nor do I know anything about delinquent debt with the company called XXXX XXXX XXXX. I never applied for credit nor conducted business with this company. The amount reported in collections is {$280.00}. I do not have any accounts in collections. My credit score dropped XXXX points today. The collection company name is Transworld System Inc. I called TSI this morning and the company had nothing on file relating to my social security number. I called XXXX two times and a dispute was submitted awaiting this FTC complaint. Thank you.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Transworld Systems is listing a tradelines on my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. report.. This trade line states the account was opened XXXX, XXXX and was added to my credit report this pass XXXX XXXX, which is against the rules of XXXX, XXXX, and XXXX and the credit reporting agencies reporting it. 1.This debt should be verified, and the date will state the debt is not older then 1-year therefore ineligible to even appear on my credit report.In addition, I requested the company validate the debt which they did not provide me with any documentation to prove the debt is mine. I never received one piece of documentation from the collection agency even notifying me of the debt. The only notification I received was the placement on my credit report. Again this is a violation of the FCRA credit reporting act. I am requesting immediate deletion of the tradeline for all three of my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. Account that is listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$2200.00} Date Updated XX/XX/2023 Last Payment Made XX/XX/2023 High Balance {$2600.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Pay Status >Collection< Date Closed XX/XX/2023
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: the company is reporting a collection that is negatively affecting my credit I do not owe the debt also they are not licensed to operate in the state of Delaware
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Continued calls and letters about a debt that is not owed. Notified on a phone call in XXXX that this debt is not owed. Received letter dated XX/XX/14 that I owed debt. Called and notified that this debt is not owed.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/ I lived In XXXX XXXX XXXX During covid, during that time they changed owners three four times. During those times they stopped fixing everything they had no pest control let trash pile up and every time it was a new owner, they kept claiming people owed amounts that they did not. So, we were trying to do a community lawsuit, so I stopped paying rent. I had a leak in my apartment for months, my bathtub rusted the only thing they did was spray paint the wall to cover up the leaking down the wall, and spray painted the bathtub to cover up rust and got spray paint all over the wall, the employees in the office was stealing packages. We complained to state and I filed an answer in court but when I moved I wasn't aware of the court date. Now they created false charges for things they never did they never did the only amount I owe them no where near XXXX dollars they are creating fake charges I have pictures to prove and emails. It was horrible
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I saw a drop in my credit score on XX/XX/XXXX. I immediately pulled my credit report from XXXX. Under adverse information I had an account from Transworld System in collections, last updated on XX/XX/XXXX, with the date the account opened listed as XX/XX/XXXX. I had last checked my credit report on XX/XX/XXXX via XXXX and this account was not listed. I had no knowledge of this account or of Transworld. I had not been contacted via email, phone, or email about this debt. The original creditor was listed as XXXX XXXX, my former landlord. I had moved out from the apartment complex XXXX and had called the week after to verify that there were no issues. I had left my forwarding address with the office and they had my number and email on file, but I was never contacted by them about any past due amount. I attempted to contact Transworld via the mailing address listed on the credit report. I sent it via certified mail ( Tracking # : XXXX ) and it was delivered on XX/XX/XXXX. I have heard no reply from Transworld and have no information on the nature of this debt or why it wound up in collections.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A