Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems Inc ( TSI ), formerly Account XXXX XXXX, sent a letter alleging I owe a debt for an un-named service or product. The letter includes three separate supposed accounts. The collection letter states the creditor is the North Carolina XXXX XXXX. I'm left to guess that the alleged debt is for toll roads ; however, this is impossible as I haven't traveled to North Carolina in nearly 30 years! Further, the letter states that I must notify the company in writing within 30 days or they " will assume this debt is valid. '' I did not have an opportunity to meet this deadline as I received the letter ( without postmark ) more than 30 days from the included date. I have attempted to contact TSI by phone multiple times. Each time after a lengthy wait, there is a recorded message, then it automatically disconnects with no opportunity to leave a message. This company provides no way for me to report that this debt is not mine. As this appears to be a fishing scam, I will not take the risk of providing TSI with additional personal information in order to register online.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX dba ; XXXX XXXX XXXX reported debt to ; Transworld Systems Inc. when in fact I was affected by natural disaster and debt/rent was paid in full by XXXX ( Florida Dept. , of Children and Families ) XXXX sent fraudulent and without merit to Transworld Systems XXXX XXXX that I have a balance as of XX/XX/XXXX {$10000.00}. Transworld Systems XXXX, without contacting me reported this as a debt owed them to XXXX XXXX XXXX XXXX XXXX / XXXX. This balance from XXXX XXXX ; XXXX XXXX XXXX is fully documented in Civil Division XXXX County Courthouse Case No. XXXX on XX/XX/XXXX. The Judge ; XXXX XXXX. All documents disbursements schedule from XXXX were presented to not only XXXX but to the courts. All balances have been paid in full.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX, misrepresented information in response to a complaint dated XX/XX/2023 by stating I gave clear authorization for them to create a personal check and for it to be signed via contract. This was via a response letter dated XX/XX/2023. The response letter states they take these matters very seriously. I have not received one phone call ( or voicemail ) from XXXX XXXX XXXX from their department or point of contact who deals with CFPB complaints. Its hard to want to call them and speak with them before submitting this complaint because they lied on this report. It doesn't seem they really reviewed a phone call on XX/XX/2023 because I do not recall giving them a very clear verbal authorization, following the company 's protocol for verbal authorization. I recall telling them that when a date became available that was suitable in the future I would pay it and set it up online myself. I honestly do not recall telling them to authorize a check, I mean I would need to hear the phone call. The reason to postpone payment was due to having a newborn and having permanent and total XXXX as my only source of income. That is all I recall occurred on XX/XX/2023. However, that phone call is evidence and should not be changed or circumvented pending other outcomes. Additionally, I am providing documentation to the XXXX XXXX XXXX XXXX XXXX over this matter, to be finalized as they previously requested. I am not finished preparing my federal forms to submit to the XXXX XXXX XXXX XXXX and have not discussed anything with XXXX XXXX XXXX to settle this/ come up with a solution we can all agree upon over the phone. However, there is another element to submitting a congressional inquiry to my congressmen and senator in regards to XXXX taking advantage of the contract they have with the XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is questionable as to whether or not I will use their separate investigation to submit as a court record or if I should contact the XXXX and XXXX XXXX XXXX or further inquire on the FTC 's record of XXXX and their misconduct as XXXX was previously fined by the FTC. I am not finished submitting my forms to those congressional offices as well. Resubmitting the same check after I notified XXXX of this pending inquiry in the past is clear documentation as to what I suspect to be fraud. XXXX XXXX state this is questionable or some misunderstanding. But they sure did not clarify that recently as one of the representatives I spoke with in the month of May told me no payment was authorized by me or submitted on my behalf as a result of a phone call, which seemed accurate. Its not a question of whether or not I am able to repay a debt. I wanted to pay this debt in full, but at the time it was extremely difficult to pay a debt as the only source of income I receive is from a permanent and total XXXX. Then, I see a paper check pending in my bank account in the beginning of May and yes, I was very upset about that. I am glad the check bounced as it would have left me and my children without food and electricity. If these hardships would have been overlooked and we cant remedy the situation for loss of food, we could starve. Please not the company 's response previously is evidence for every inquiry and complaint I am submitting. And I am also noting no contact has been made with me over the phone to discuss other options. I am only responding to their response here on the CFPB as no communication outside of this interaction was made to me.
Company Response:
State: HI
Zip: 96792
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: When I asked to verify the debt after the initial notification of debt, they informed me that I requested the information to close to the allowed dispute period date and that they would provide me the information but I would not be allowed to dispute any of it if I found anything wrong.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that TRANSWORLD SYSTEM INC properly investigated this account because there are obvious inaccuracies. The date of the last activity does not match. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off The Date of the last payment missing. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported TRANSWORLD SYSTEM INC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too TRANSWORLD SYSTEM INC has also Violated XXXX. XXXX. XXXX XXXX. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. I also sent them a letter exercising XXXX. XXXX XXXX XXXX where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was just notified of a debt collection that is not mine. The debt collection agency name is TRANSWORLD SYSTEMS INC and the amount owed is {$37000.00}. According to my XXXX credit report, the collection account was opened on XX/XX/XXXX. The original creditor is listed as XXXX XXXX. This looks to be an apartment complex in XXXX XXXX, Georgia ( XXXX XXXX XXXXXXXX ). I have never lived in Georgia. I live in Washington , DC and can provide my apartment lease and utility bills upon request. I have lived in the same apartment in DC since XX/XX/XXXX. This is now the FOURTH APARTMENT that has been rented in GA using my identity since XXXX. I am truly astonished that my identity is continuously being stolen by someone in Georgia despite the security freeze and fraud alert on my credit. I previously submitted a CFPB complaint in XX/XX/XXXX for two other fraudulent accounts/ collections ( complaint no. XXXX ). The XXXX XXXX XXXX XXXX collection ( XXXX XXXX in GA ) was confirmed as fraud in XX/XX/XXXX ; I received an official fraud confirmation letter. The XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, apartment in GA ) is still under review. I called XXXX today for an update as I completed and mailed XXXXXXXX XXXX Fraud Affidavit in XXXX and provided all requested supporting documentation ( current lease, 1.5 years of utility bills, copy of Driver 's License, etc ). XXXX received the packet in XXXX. It has been XXXX months and I have yet to hear back. I was provided an email address today and sent an email requesting a status update. My identity was first stolen in XXXX and used to rent an apartment in Georgia ( XXXX XXXX XXXX XXXX ). The debt was confirmed as fraud and cleared from my credit in XX/XX/XXXX ; I received an official fraud confirmation letter. Please let me know if any other information is needed. It is completely unacceptable that my identity is continuously being stolen and used to rent apartments/ open accounts in GA!!
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I requested Transworld Systems to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Transworld Systems send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On Friday, XX/XX/2023, Transworld called my place of employment about a debt that I didn't even know about. I told them that I was not allowed to have any calls at work. I called them when I clocked out fir the day..spoke to a woman who seemingly mocked me throughout the call. I told her to never call my work number, I can lose my job..she put me on hold for about XXXX minutes then when she picked up the call again, she said that she would remove my work number. Today, Monday, XX/XX/XXXX, XXXX.Transworld called me at work again and started by telling the XXXX XXXX that this was an attempt to collect a debt. And asked for me..when I picked up the call it was a recording telling me that this was an attempt to collect a debt and to press one for whatever... If I lose my job for this {$600.00} debt that I didn't know existed until Friday... do I have the right to sue them for my wages up to my retirement age? Better yet, how do I get them to stop calling me at work and make them pay me {$1000.00} due to their harassment?
Company Response:
State: PA
Zip: 16823
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XX/XX/23 I received a call from TransWorld ( XXXX ) wanting to know why I had not responded to letter sent out in XXXX and XXXX of this year regarding a debt of {$16000.00}. I replied that I had not received any. She checked her records and apparently the information was not sent to me but to my Renter. I immediately asked for a digital copy of ALL the information sent to the third party. The Rep said a supervisor would call me tomorrow. I also said I had written proof that their client XXXX XXXX XXXX had agreed to a settlement from the insurance company and that they had been paid. I also explained to the rep that the insurance company said if XXXX XXXX XXXX feels they are owed more the need to resubmit. XX/XX/23 I did not receive any contact from the company so I emailed them with the same information. XX/XX/23 Called and spoke with XXXX and retold my story she said she would transfer me to a supervisor. I was disconnected during the transfer. XX/XX/23 Called back and with XXXX who said she would transfer me to her supervisor, XXXX, but again I was disconnected. XX/XX/23 Called back and spoke with XXXX XXXX who said she would transfer me to her supervisor but the number just rang with no voice mail option.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A