Product: Debt collection

Submitted to the CFPB on XX/XX/XXXX Product : Debt collection Type : Credit card debt Issue : Attempts to collect debt not owed, False reporting to credit agencies, and Improper debt collection practices Your Complaint I am filing this formal complaint against XXXX XXXX ( XXXX ) and Transworld Systems for systemic violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable statutes. XXXX has engaged in unlawful practices involving XXXX accounts ( ending in XXXX and XXXX ), including forwarding unvalidated debts to a collection firm, reporting them to credit reporting agencies ( CRAs ), charging them off, continuing collection efforts, and transferring them to Transworld Systems as of XX/XX/XXXX. Transworld Systems has since compounded these violations through harassing and illegal collection tactics. These actions have caused severe financial harm, credit damage, and emotional distress. Below are the specific violations and demands : Forwarding Unvalidated Debts to Collection Agencies Without Legal Validation XXXX forwarded XXXX alleged debts ( accounts ending in XXXX and XXXX ) to a collection firm and later to Transworld Systems without providing legally required validation, despite my repeated disputes. XXXX has failed to produce : A wet-ink signature or original credit agreement proving my consent to the debt terms. 
A forward flow agreement documenting the chain of custody and assignment of the debts from XXXX to any collection entity. 
Securitization records showing whether these debts were bundled, sold, or otherwise transferred, which impacts their legal collectability. 
IP validation or electronic authentication proving I initiated or authorized these accounts online. 
Any other evidence establishing the debts legitimacy, such as account origination records or signed applications.

This violates 15 U.S.C. 1692g ( b ) ( FDCPA ), requiring debt validation upon request, and 15 U.S.C. 1681s-2 ( b ) ( FCRA ), mandating a reasonable investigation of disputed debts. The transfer to Transworld Systems in XX/XX/XXXX without such documentation is an unfair practice under 15 U.S.C. 1692f. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported these unvalidated debts to CRAs as delinquent, without marking them as disputed, and has not rescinded this reporting despite lacking validation. This violates : 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( FCRA ) : Requires marking debts as disputed during investigation.

15 U.S.C. 1681i ( a ) ( FCRA ) : Mandates correction of inaccurate information.

15 U.S.C. 1681b ( 2 ) ( FCRA ) : Prohibits reporting without express written consent, which XXXX can not prove. 
The failure to rescind all reporting after charging off the debts and transferring them to Transworld Systems demonstrates willful noncompliance. 
Charging Off Alleged Debts Without Validation XXXX charged off these debts as uncollectible losses without substantiating their validity, misrepresenting their status in violation of 15 U.S.C. 1692e ( FDCPA ). Charging off unverified debts while pursuing collection efforts is unconscionable under 15 U.S.C. 1692f. 
Continued XXXX Attempts XXXX XXXX continued collection efforts after charging off the debts, ignoring my cease-and-desist request. This violates 15 U.S.C. 1692c ( c ) ( FDCPA ), prohibiting further communication except for specific legal purposes, and 15 U.S.C. 1692f for unfair practices. 
Transfer to Transworld Systems and Ongoing Harassment In XX/XX/XXXX, XXXX transferred these unvalidated debts to Transworld Systems, which has since engaged in XXXX  collection tactics, including : Repeated phone calls despite my cease-and-desist demand. 
Contacting me at my workplace, violating my privacy and employment rights. 
Failing to provide validation of the debts upon request. 
These actions violate : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Transworld Systems must validate the debts inherited from XXXX. 
15 U.S.C. 1692c ( a ) ( 1 ) ( FDCPA ) : Prohibits contact at inconvenient places, such as work, without consent.

15 U.S.C. 1692d ( FDCPA ) : Bans harassing or oppressive conduct. 
Breach of XXXX XXXX XXXX XXXX XXXX cardholder agreement mandates arbitration for disputes. By forwarding unvalidated debts to collection agencies and reporting them to CRAs without arbitration, XXXX breached its own contract, entitling me to damages under state law. 
Ignoring Identity Theft Evidence I provided XXXX with an FTC Identity Theft Report, police reports, and dispute notices linking these accounts to fraud. XXXX and Transworld Systems failed to block the debts or cease collection, violating 15 U.S.C. 1681c-2 ( FCRA ) and 18 U.S.C. 1028 ( Identity Theft and Assumption Deterrence Act ).

Summary of Legal Violations and Damages FDCPA Violations ( 15 U.S.C. 1692 et seq. ) : Failure to validate debts ( 1692g ( b ) ).

False/misleading representations ( 1692e ).

Unfair practices ( 1692f ).

Communication after cease-and-desist ( 1692c ( c ) ).

Harassment by Transworld Systems ( 1692d ).

Damages : Up to {$1000.00} per violation ( 1692k ), plus actual damages.

FCRA Violations ( 15 U.S.C. 1681 et seq. ) : Failure to investigate disputes ( 1681s-2 ( b ) ).

False reporting without consent ( 1681b ( 2 ) ). Failure to mark debts as disputed ( 1681s-2 ( a ) ( 3 ) ).

Ignoring identity theft ( 1681c-2 ). 
Damages : $ XXXX {$1000.00} per willful violation ( 1681n ), punitive damages, actual damages. 
XXXX XXXX ( XXXX XXXX XXXX ) : Damages : Compensatory damages under state law. 
Identity Theft Act ( 18 U.S.C. 1028 ) : Damages : Civil remedies tied to FCRA.

What Happened? 
In XXXX, XXXX claimed XXXX owed debts on accounts ending in XXXX and XXXX, which I disputed as unvalidated and potentially fraudulent. XXXX reported these debts to CRAs, charged them off, and continued collection efforts despite my cease-and-desist request and lack of validation ( e.g., wet signature, forward flow agreement, securitization records, IP validation ). In XX/XX/XXXX, XXXX transferred the debts to Transworld Systems, which has since harassed me with calls, including at work, without validating the debts. These actions violated federal laws, breached AMEXs arbitration agreement, and ignored identity theft evidence.