Date Received: 2023-02-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was deleted by two other bureaus but one wont delete it and continues to report it to my credit illegally.
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX XXXX XXXX and I was residing in California at the time this account was opened. They asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, This account recently re reported to my credit profiles in XX/XX/XXXX for {$370.00} which is inaccurate information because this account does not belong to me. Initially the account was reported back in XXXX in which they deleted it and attached is a letter I received from them now they are reporting that I owe the same amount but under a different account number, I believe this company is trying to defraud me and the appropriate action needs to be take and they need to be held accountable for reporting false information damaging my perfect credit. Please remove this account immediately.
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Transworld Systems Inc claims that I have XXXX XXXX XXXX XXXX account with an invoice number and I owe them {$290.00}. I have no idea what they are referring to. I never signed up for a corporate account with XXXX.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had to move out of my apartment because of military XXXX AND work XXXX ( XXXX ) during COVID. I used rent relief program to pay for my rent before I left. The rent relief payment went through and was cashed but I was still got charged and the bill was sent to collections without any notification. No mail, no email, no text message, no phone call. I checked my credit report and found bill in collections after I received email from Rent Relief that debt was paid. They promised to delete the collections from my account once I fixed their mess within 30 days and then all they were willing to do was report the debt paid to the collection agency. They refuse to remove the collections from my credit report. The attached documents are all the proof/email messages and receipt of payment made by Rent Relief.
Company Response:
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems ( XXXX XXXX ) added an incorrect debt to my credit reports ( XXXX, XXXX XXXX XXXX XXXX ), dated XX/XX/22, in the amount of {$190.00}. This is an incorrect entry on my credit report history, as I do not owe any balances or have a debt with this debt collector. I have already filed disputes with all XXXX credit reporting agencies, and I am needing your assistance to help me remove and resolve this matter.
Company Response:
State: IL
Zip: 60452
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I got treatment at XXXX XXXX last year ( XXXX ) XXXX. Each time I went, I paid and was told that was the full payment. Months later they are harassing me for anywhere between {$190.00} and $ XXXX, and it keeps changing. I need a letter telling them that I do not owe this bill, that they are to cease and desist, and clear my balance to XXXX or I will take further legal action, whatever that would be. I don't know. I can provide bills and dates but I'm not sure if I can find everything outside of from their website. LMK what I need. At one point they told me all I needed to do was call my insurance company, but I told them that they are overcharging because it was supposed to be paid in full at the time. Regardless, I have called their billing department numerous times and they have only called me back once and left a message. I have been unable to get in touch with them, and as I mentioned above, they keep changing the amount they say is due. I believe this is at best incompetence, at worst, they are scamming me with fraudulent medical billing. I'm not sure which, but the fact that I can not get in contact with billing is a bad look. I had my lawyer write them and their collection agency, Transworld Systems ( XXXX ) XXXX, to tell them this, and to stop contacting me, and they have contacted me at least 12-20 times since then through calls and letters. I am filing a complaint here and with the XXXX Attorney General about their deceptive business billing practices and collection practices. I am including the draft letter from my attorney ; I have just requested a copy of the final letter, which I will update here later. The changes are minimal and do not change any meaning of the letter. THE LETTER WAS SENT XX/XX/2022. AS OF THIS DATE, NEITHER I NOR MY ATTORNEYS HAVE RECEIVED A RESPONSE TO THIS LETTER. I HAVE ONLY RECEIVED MORE HARASSING CALLS AND LETTERS ABOUT THESE FRAUDULENT CHARGES.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Complaint filed with you for a debt on XX/XX/XXXX. I received a letter from Transworld Systems Inc in response. Stating to send them a full police report, also register with identitytheft.gov. I did these, I also submitted copies of my paychecks for the time I was supposedly living in XXXX and this debt was incurred.I work in XXXX and have for 8 years now. Never been to XXXX. I was given a name in their letter of XXXX XXXX, I have left numerous voicemails for her, and called the complaint line. I have not received anything back. I have called her at least XXXX time and left voice mails. All the information plus my pay stubs we mailed to them on XX/XX/XXXX. Registered mail, they were received and signed for on XX/XX/XXXX at XXXX. I have not heard anything and want this removed from my credit report.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023, I received a phone call from XXXX XXXX XXXX regarding a debt from XXXX XXXXXXXX XXXX. I explained that I actually had spoken to the XXXX XXXX XXXX several times and was repeatedly told I would be refunded {$1300.00} from the policy cancellation, therefore, I would like to dispute the claim. On that date, I also requested debt validation. I did not receive this letter until XX/XX/2023. The letter was dated XX/XX/2023 which according to what I've read, is a violation of the 5 day rule. Additionally XXXX reported me to the credit bureau on XX/XX/2023. I received no other correspondence with Transworld Systems Inc from XX/XX/2023 - XXXX XXXX. I have also included documents that I have sent to XXXX XXXX XXXX ... specifically the email from Monday XX/XX/XXXX where my agent informs me that I do not owe on any accounts and that XXXX owed ME money. TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX Reference # XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX Balance due : {$690.00}
Company Response:
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Transworld Systems , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems , Inc. If Transworld Systems, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A