Date Received: 2022-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Accordance with the credit Reporting act Transworld Systems has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 States It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am filing a complaint about a debt our company knows nothing about, TRANSWORLD SYSTEMS INC ACCOUNT XXXX. I am requesting a cease and desist of TRANSWORLD SYSTEM INCXXXX all communication until we receive documentation over the unknown debt with XXXX XXXX XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent injunction. And it also appears Transworld operated under a different parent company in 2013 and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies. ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report and noticed a collection that is on the report. I contacted XXXX XXXX, the originator of this account and they told me to contact Transworld Systems, the collection agency. They have it in their records that an address in XXXX ( XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) used my name, home address, and social security number to get this service in the amount of {$1000.00} and its more in collection. I don't know anyone in XXXX and somehow they connected my actual home address to this account even though they used it for a XXXX address. I contacted XXXX and provided the police report that I had written at the police department.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: dear Consumer Financial Protection Bureau : The debt collector TSI has incorrectly placed a {$2300.00} with XXXX XXXX on my credit report. 1. I was never notified of the debt, and it was placed on my credit report without due process. Attempted to have Transworld send confirmation of notification, no response. 2. Transworld Systems has inaccurately reported a delinquent information 3. The information submitted to the credit bureaus is inaccurate. 4. Transworld has improperly and deceitfully caused my credit report to be severely damaged. 5. I have attempted to request Transworld Systems to provide information on how to remove the damage and verification of the debt of {$2300.00} 6. Requested from XXXX to verify the inaccuracy of the debt and to provide sufficient evidence.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I WOULD CALL CUSTOMER SERVICE THEY ADVISED THE PAYMENT MADE WAS OK I LATER RECEIVE A LETTER FROM COLLECTION AGENCY SAYING THEY WAS IN CHARGE OF THE ACCOUNT YET I LOGGED INTO MY ACCOUNT AND SCHEDULED THE PAYMENT AS AGREED BY THE AGENT I CAN NOT PAY THE CREDIT CARD COMPANY AND THE COLLECTION AGENCY AT THE SAME TIME FOR THE SAME ACCOUNT THIS IS TRULY AN ERROR IF THEY ARE DOING THIS TO ME THEY ARE DOING THIS TO MANY OTHER CARD HOLDERS MAKING ERRORS ON THEIR ACCOUNT AND SENDING THE ACCOUNT TO AN AGENCY AND STILL HAVE THE ACCOUNT OPEN RECEIVING MONEY NOR ADVISING THE CUSTOMER THAT THE ACCOUNT IS CLOSED OR IS GOING TO CLOSE.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received notice from Transworld Systems Inc. that I owe a debt that they can not verify I owe. I have on multiple occasions requested proof of debt, and have had no luck in correspondence from them about the debt ( See attached images ). I have not received emails verifying the debt, or any correspondence proving I owe this debt.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: University Accounting Services with XXXX University is threatening collections and reassignment to the Department of Education on a loan that was repaid in XXXX - I was in a car accident, had competing medical bills, and went into default on the loan while away from school - I was required to pay the loan in full with a collections agency ( XXXX XXXX XXXX ) prior to returning- I did pay, XXXX lifted the financial hold so I was able to register and finish - I received no contact from UAS until XX/XX/XXXX, threatening reassignment - I have contacted XXXX and XXXX XXXX XXXX, both of whom have confirmed the loan was paid - UAS refuses to drop the charge of XXXX. They claim not to work with XXXX XXXX XXXX, even though the account information at XXXX XXXX XXXX directly matches the account information from XXXX ( too many digits to be coincidence ). XXXX has contacted UAS to confirm the loan has paid, but XXXX will not budge- This is unequivocally fraud - I have no idea how many other students could be affected by similarly predatory and fraudulent accounting
Company Response:
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Between XXXX and XXXX someone open a credit cart account in the name of XXXX XXXX NOT my legal name. For the second time in less then two years XXXX XXXX is using XXXX XXXX XXXX t to take my Social Security or VA benefits for a depth that is not in my name through the XXXX in XXXX XXXX, MI! First time was through the XXXX MI court! Judge shopping? According to what XXXX told the XXXX of XXXX attached they have no account in my legal name. They seem to be running a scam on an elder person I am XXXX and I am a XXXX XXXX This depth is wall over XXXX old!
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have a rental write off with XXXX XXXXXXXX XXXX - XXXX XXXX in XXXX FL. I have tried numerous times over the last 30 days to make contact to PAY THIS DEBT OFF. No one wants to help. No one can find this debt. No one calls back. I spoke to XXXX XXXX who first said the debt is with XXXX XXXX XXXX, they then said its with TransWorld who also said they can not find any information on my situation. The debt shows on my report when I apply for apartments or rental homes, but no one lets me pay for it no one knows where or what it is. I need this to be fixed ASAP either information to PAY IT OFF or a letter of Release.
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A