Transworld Systems

Description of XXXX : I am a Washington State homeowner currently trying to complete a home refinance to pay medical bills. I just discovered that a debt collector, Transworld Systems Inc. ( TSI / TSC Collection ), is using predatory " zombie mortgage '' tactics to block my closing and extract money for a debt that legally does not exist. In 2008, I had an XX/XX/XXXX mortgage combo through XXXX XXXX XXXX XXXX, consisting of a first loan for {$400000.00} and a second loan for {$100000.00}. On XXXX XXXX, 2009, a permanent Loan Modification Agreement was legally executed on my property. This modification consolidated and absorbed the underlying obligations of the loans into a single, brand-new primary loan balance of {$460000.00} ( currently serviced by Newrez/PHH/Onity Mortgage XXXX. No separate payments or statements have been made or issued on a second loan.…

This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), that you are to cease all communication with me regarding the alleged debt you claim I owe. Under 15 U.S. Code 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must cease communication with the consumer except to : 1. Advise that further efforts are being terminated, 2. Notify the consumer that the debt collector or creditor may invoke specified remedies, or 3. Notify the consumer that the debt collector or creditor intends to invoke a specified remedy. I do not admit to owing this alleged debt. You are hereby instructed to cease all contact with me immediately, including but not limited to phone calls, letters, emails, or contact through any other means.…

On XXXX XXXX I notice a debit that I did not create in the amount of XXXX owed to Transworld Systems XXXX I reached out to that said company and inquired about the account. I requested files attaching me to this account and they were unable to provide me with evidence connecting me to this account.

I am filing a complaint regarding an inaccurate rental debt currently being reported and/or collected in the amount of approximately {$4600.00} related to XXXX at XXXX XXXX XXXX XXXX, Maryland. The debt is now being handled by Transworld Systems. I dispute the accuracy and validity of this debt because I believe charges continued after I vacated the apartment due to an incorrect move-out date being entered into the account records. I previously disputed this debt and received a response that included an itemized list of charges. However, the information provided still did not adequately validate or explain the balance. The largest charge on the account is listed as " Base Rent '' in the amount of approximately {$4000.00}, but no dates or rental periods were identified for those charges. I still have not been provided documentation showing which months were allegedly charged, how the amount was calculated, or why rent continued to accrue.…

I am filing this complaint because this company is attempting to collect a debt that I do not legally owe due to identity theft. I never authorized or opened the account associated with this alleged debt, and the information being reported and collected is inaccurate and fraudulent.

I call XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and report this a AUTHORIZED ACCOUNT, AND FILE A POLICE REPORT. XXXX TOLD ME TO FILE THE AND BE CLOSING THIS AND REMOVE OUT OF MY NAME I WILL BE ATTACHING A POLICE REPORT.

Transworld Systems is reporting a collection account on my XXXX credit report for XXXX XXXX XXXX with a balance of {$330.00}. My credit report does not show a " Date of First Delinquency '' ( DOFD ) for this account with the original creditor. Under FCRA Section 623 ( a ) ( 5 ) and XXXX XXXX Format Rule 6.2 ( b ) ( 3 ), any collection account must include the DOFD to calculate the 7-year reporting period. Without a DOFD, this account can not be properly verified and may be past the legal reporting window. I have also requested debt validation from Transworld, including a signed contract or agreement. They have not provided any document bearing my signature. The original creditor ( XXXX XXXX ) is a utility company utility accounts typically do not involve signed, written contracts that would survive a legal challenge. Because Transworld can not verify this debt with admissible evidence, the account must be deleted.

I am being held responsible for a utility account that I never applied for. I have tried to dispute this account several times with the original account furnisher, as well as all 3 major reporting credit agencies to no avail. I have repeatedly asked all 3 credit bureaus that this account be investigated and to provide verification of debt. None of the credit agencies have provided me any verification of this collection account, yet they continue to update my repeated disputes to remove this account as verified. They are continuously verifying this debt without any verification behind it to support the verification.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : DISPUTED DEBT NOTICE OF IMPROPER REFERRAL Original Creditor : XXXX XXXXXXXX XXXX XXXX Violation # : XXXX Account # : XXXX Alleged Balance : {$830.00} What ACTUALLY happened : Penalties added before dispute was resolved You were NOT given a decision first No fair opportunity to cure the issue This is your first major failure point Step 5 PREMATURE PENALTY ESCALATION {$750.00} in penalties added Fees applied while : Dispute still pending Decision not communicated Argument : Penalties were imposed without completed adjudication Step 6 ACCOUNT SENT TO COLLECTIONS ( SECOND FAILURE ) Account referred to collection agency Occurred before you received dispute outcome This is your strongest point : The account was escalated externally without resolving the internal dispute process WHY THIS IS A BIG DEAL This creates a chain of violations in process logic : You were denied : Due process ( no decision before penalties ) Opportunity to…

I am requesting that XXXX immediately stop reporting this alleged debt to the credit bureaus and cease all collection activity regarding this account. I do not owe this debt, I did not use the services associated with this account during the months they are requesting and I dispute the validity of the account in its entirety. This is now the fourth time this account has been removed from my credit report and then improperly reinserted. Despite prior deletions, XXXX and third-party collection agencies continue to report and attempt to collect on this disputed account. I consider these repeated actions to be inaccurate, misleading, and harassing. I also believe these collection practices violate Maryland consumer protection and debt collection laws, including the continued reporting of inaccurate information and attempts to collect a debt that has not been properly validated. Fair Credit Reporting Act ( FCRA ) 15 U.S.C.…

I have contacted XXXX on several occasions letting them know that I've been receiving emails from a debt collection agency for a service line that I never established with XXXX They told me to " log-in '' to my account which I can't. I've tried dozens of times and the only email addresses I would have used to open an account are coming back as invalid. There is truly something wrong, possibly identify theft. And no one at XXXX is truly helping me to resolve the situation. I am escalating this issue to Consumer Finance in hopes that XXXX will be more cooperative and transparent.

Complaint Against Transworld Systems Inc. Disputed Medical Debt, Defective Validation, Unsubstantiated {$910.00} Collection, and Possible Surprise-Billing / Patient-Responsibility Violations I am filing this complaint against Transworld Systems Inc. ( TSI ) , a debt collector, regarding a disputed medical collection account allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX. Consumer / Patient : XXXX XXXX TSI Reference / Account # : XXXX Creditor Account # : XXXX Alleged Amount : {$910.00} Facility Listed : XXXX XXXX XXXX XXXX Debt Type : Medical / emergency medicine collection On or about XX/XX/year>, TSI contacted the consumer claiming that she owed {$910.00} to XXXX XXXX XXXX XXXX XXXX XXXX. TSIs notice stated that if the consumer disputed the debt by XX/XX/year>, TSI must stop collection until it sent information showing the debt was owed. The consumer timely disputed the alleged debt in writing and requested validation. The dispute did not merely ask for a balance confirmation.…

I am disputing a Transworld Systems Inc. account reporting on my consumer credit report as a closed account. I requested proper validation and verification of this account, including signed contracts, complete account history, proof of permissible purpose, and documentation establishing my legal obligation for the alleged debt/account. To date, the account continues to report without sufficient validation being provided. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a reasonable investigation and verification of the accuracy and completeness of the reporting. I am requesting the following : * A copy of the original signed agreement or contract * Complete payment and billing history * Documentation proving I authorized the account/services * Proof of permissible purpose for reporting my information * The date of first delinquency * Verification of the balance and reporting accuracy If the company can not properly validate and verify the account, I request deletion of…

I am submitting this complaint regarding a debt collection account that I dispute. I requested validation of the alleged debt, but the collection agency has failed to provide sufficient documentation proving that I am legally responsible for the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested : The name of the original creditor The amount of the alleged debt Documentation bearing my signature or proving responsibility Proof the collection agency is authorized to collect this debt Despite my request, the company continues collection efforts and/or continues reporting the account to credit reporting agencies without properly validating the debt.…

I was trying to buy a house. I notice I had damages on my credit report according to the 15 U.S.C 1681 law there should not be any damages on my report. It is an defamation to my character. Also the account has been paid off and its still on my credit

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TRasnworld System INC Re : Request for Debt Validation Account Number : Unknown Dear Sir or Madam, I am responding to your recent communication regarding the debt you claim I owe. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of any fees, interest, or charges added Copies of any documents showing I agreed to or am legally responsible for this debt Proof that your company has the legal authority to collect this debt Documentation showing the date the debt was incurred and payment history, if applicable Until you provide proper validation of this debt, I request that collection activity cease and that no inaccurate information be reported or continued to be reported to any credit reporting agencies.…

I started home wifi service & cell phone service on XX/XX/scrub> 2026 with XXXX XXXX at a retail store. XXXX policy is that the customer hasXX/XX/XXXX days to return & end service if not satisfied. I was never able to receive wifi service in a full week, so requested to return the equipment & end service on XX/XX/year>2026. I received a mailing label dated XX/XX/scrub> 2026 and returned the XXXX wifi modem & cell phone in the original XXXX XXXX on XXXX XXXX, 2026 at the XX/XX/XXXX Store at XXXX XXXX XXXX, XXXX XXXX IL XXXX with tracking verification. In spite of my records, tracking receipt & written statement from the XXXX corporate store that XXXX received the equipment, I have been billed by XXXX for {$360.00} monthly since XX/XX/year>2026 which was turned over to XXXX collections on XX/XX/year>2026. I spoke to XXXX agent XXXX XXXX on XX/XX/scrub> 2026 & notified XXXX that I disputed the debt & would continue to pursue legal alternatives.

I am disputing an alleged debt being reported/collected by Transworld Systems Inc . I do not recognize this company, have never done business with them, and do not believe this debt belongs to me. I am requesting that Transworld Systems provide full validation of the alleged debt, including : The name of the original creditor The original account number The date the account was opened A complete payment history Signed documentation showing I agreed to or am responsible for this debt Proof that Transworld Systems has legal authority to collect on this account At this time, I dispute the accuracy and validity of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). If they can not provide proper validation and proof that this debt belongs to me, I request that the account be immediately removed from all credit reporting agencies and all collection activity cease.…

I have been receiving multiple calls from a company TSI, and they are saying they are a debt collection agency. Whenever they call they ask for a random name. I've had the same number for over XXXX years. The people they ask for I do not know. I have debt that I have been settling and when I ask which company they are collecting for they say they cant give the information. I have never received anything from them in any writing. Honestly, it seems like a scam. The last call a lady had an accent when she first came on then it suddenly went away, maybe they are using software to mask their voice. They always call from different numbers and I have already blocked so many of them. I have XXXX different numbers they are using and the calls started randomly XXXX. XXXX. They do have a website and an address they are using. Tsi is Transworld Systems Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I am filing this CFPB complaint against Transworld Systems Inc. / TSI, XXXX XXXX XXXX for the reporting and attempted collection of an alleged apartment debt that was already resolved through a Pennsylvania XXXX XXXX XXXX landlord/tenant case. The alleged original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The disputed collection account is being reported by Transworld Systems Inc. / TSI, account reference XXXX * *, with an alleged balance of {$2300.00}. This account has appeared on both XXXX XXXX XXXX as a derogatory collection account. This reporting is inaccurate, incomplete, unverifiable, misleading, and legally defective. The underlying landlord/tenant matter was already handled in Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania, under docket number XXXX.…

On XX/XX/XXXX, I received XXXX services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX PA ). XXXX XXXX is a participating provider with my XXXX XXXX XXXX XXXX plan. Before, during, and after receiving the XXXX services, I maintained that same health insurance. On XX/XX/XXXX, XXXX XXXX XXXX notified me that the charge of {$270.00} for XXXX services was rejected : No payment can be made for this service. This service required an authorization in order to be covered. ( The original bill was for {$270.00}. Since I paid a {$15.00} co-pay, the resulting amount due is {$260.00}. See attachment XXXX XXXX XXXX XXXX. ). It was the responsibility of XXXX XXXX ( not me ) to obtain the authorization. Sometime later ( approximately XX/XX/XXXX or XX/XX/XXXX ) I telephoned XXXX XXXX and explained that the authorization had to be obtained, and the claim resubmitted to XXXX XXXX XXXX.…

Transworld Systems Inc. ( TSI ) is attempting to collect two debts from me that are allegedly owed to XXXX XXXX XXXX XXXX XXXX as the original creditor. I formally dispute both accounts and the amounts claimed. Disputed accounts : 1. TSI Account / Reference : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Creditor account : XXXX Related XXXX rental : XXXX Amount claimed by TSI : {$550.00} 2. TSI Account / Reference : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount claimed by TSI : {$660.00} I am not refusing to address any amount that may be properly owed to XXXX as the original creditor. I am disputing the amounts as currently presented by TSI, the placement of these accounts with a collector, and the addition of collection fees, surcharges, or other charges beyond what the underlying rental contract and applicable law permit.…

I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

My insurance called on my behalf several times and it was CLEAR that Ni money us owed. We contacted XXXX XXXX XXXX at XXXX XXXX i had medical care.I was then billed out from XXXX XXXX and another area which i NEVER received medical. My useless pcp also referred me BACK to them in which I will NEVER EVER have any medical care EVER with them.PLEASE HAVE THEM STOP.BILL was PAID in XXXX of this year.

I paid my apartment debt to TSI under TSI Account # XXXX ( p. 1 ). TSI issued a Paid in Full letter, but my original creditor, Local on 14th, states their system isn't updating and threatens further collections ( p. 1 ). I need TSI to immediately update the original creditor system or push the data file to clear my balance.

I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX private student loan ending XXXX/ masked Bureau coverage : XXXX only in XXXX supplement Requested goodwill action : remove all XXXX student-loan derogatory information and any 90-days-past-due status. XXXX supplement shows XXXX student-loan derogatory events including 30/60/90-day history. Latest XXXX report does not show this account, confirming it must be handled from the 3-bureau FICO supplement .

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

I am disputing TransWorld Systems Inc.s reporting and collection activity regarding an alleged XXXX XXXX account that I do not recognize and never authorized. I never opened or used XXXX XXXX service, and I have serious concerns regarding the accuracy and legitimacy of this alleged debt. Following the known XXXX data breach where my personal information may have been exposed, I reviewed my consumer reports and identified this collection account appearing without my authorization or knowledge. To date, I have not been provided sufficient documentation verifying that I opened or authorized this account, including a signed agreement, application records, device information, identity verification records, complete billing history, or documentation establishing lawful collection authority. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, TransWorld Systems Inc. is required to furnish only information that can be fully verified as accurate and complete.…

Last Reported : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> To : XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am formally disputing the accuracy and/or authorization of certain items appearing on my consumer credit report. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information and delete any information that can not be verified. The following items are disputed : [ XXXX/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] Amount : {$910.00} [ Unverified Reporting ] Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must complete its reinvestigation within 30 days of receiving notice of dispute. If the information can not be verified, it must be deleted from my file.…

I am submitting a complaint regarding inaccurate and inconsistent reporting of an alleged outstanding balance of {$58.00} by XXXX, which is being reflected on my credit report. 1. Summary of Issue A {$58.00} past-due balance is currently being reported on my credit file by XXXX. However, this reported balance is not consistently supported by XXXX internal account handling and customer service communications. 2. Inconsistent Account Information I have received conflicting information regarding the status of this account : - XXXX customer service indicated the account had been resolved or adjusted on my first negotiation. - However, one month later XXXX internal systems and credit reporting continue to reflect an outstanding balance of {$58.00}. - This discrepancy has not been clarified or resolved despite multiple attempts to obtain consistent information. 3. Previous Dispute Attempts I previously initiated a dispute through Experian.…