Product: Debt collection

This complaint concerns Transworld Systems Inc.s ( TSI ) repeated and unwarranted attempts to collect an alleged debt that is invalid, unsubstantiated, and arises from circumstances that fall outside any legitimate framework of debt collection. This marks the third instance of TSIs misconduct against me, despite prior resolutions documented with the CFPB and clear acknowledgment by TSI that their claims were erroneous. 

XXXX. Invalidity of the Alleged Debt The debt in question originates from circumstances tied to federally recognized disasters, including Hurricane Beryl, a FEMA-designated natural disaster under the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5121-5207 ). The Stafford Act, along with FEMA policies, provides for financial relief and suspension of obligations in disaster-stricken regions to protect individuals from undue financial strain during recovery efforts.

TSI has failed to account for these federal protections or provide any evidence demonstrating that the alleged debt is enforceable under these conditions. Moreover, no documentation has been presented to support the validity of this claim, including : 1. A copy of the original contract or agreement signed by me ( as required by 15 U.S.C. 1692g ( b ) ).

2. An itemized accounting of the alleged debt, including any fees, penalties, or interest.

3. Verification of compliance with applicable disaster relief statutes and debt forgiveness protocols.

Absent such evidence, the alleged debt must be considered null and void.

2. TSIs Repeated Violations of Federal Law TSIs actions constitute repeated violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692-1692p ) : False or misleading representation ( 1692e ) : TSI has presented an invalid debt as legitimate without evidence.

Unfair practices ( 1692f ) : The attempt to collect an invalid debt constitutes an unfair and deceptive practice.

Failure to validate the debt ( 1692g ( b ) ) : TSI has ignored its statutory obligation to provide sufficient documentation of the debt despite repeated disputes.

Further, TSIs actions also implicate the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or deceptive acts or practices in commerce. The lack of transparency, reliance on coercive tactics, and repeated harassment demonstrate a clear intent to extract payment through unethical means.

3. Documented History of TSI Misconduct TSIs behavior is part of a documented pattern of harassment and bad-faith collection efforts against me : ( 2021 Reliant Energy Error ) In 2021, TSI pursued a debt that was demonstrably invalid and unrelated to any outstanding obligations I had with XXXX XXXX XXXX 

This case was documented in CFPB Complaint ID XXXX, which resulted in acknowledgment by TSI of their error. 

XXXX XXXX XXXX XXXX  Error ) On XX/XX/XXXX, TSI attempted to collect a second erroneous debt related to XXXX XXXX XXXX ( Account ending in XXXX ). 

XXXX XXXX confirmed they had no knowledge of TSIs involvement, and TSI conceded their error, committing to cease further contact. 

( XXXX XXXX XXXX ) This third instance of misconduct concerns an invalid debt stemming from XXXX XXXX XXXX. 

TSI has failed to provide any supporting documentation or verification, making this another baseless and harassing claim.

The pattern of repeated errors, coupled with TSIs failure to implement corrective measures, raises serious concerns about their business practices and potential violations of consumer protection laws.

TSIs actions have caused significant emotional distress, reputational harm, and financial disruption, particularly as I recover from multiple natural disasters. Their baseless allegations have impacted my credit profile, created unnecessary stress, and diverted my attention from critical recovery efforts.

Given the repetitive nature of their harassment, I suspect TSIs actions may constitute a targeted and punitive campaign. Such behavior demonstrates bad faith and malice, which could give rise to claims of : Defamation and injurious falsehoods for reporting or threatening to report false information to credit agencies.

Tortious interference with my financial standing and recovery efforts.

I formally request the CFPB to enforce the following actions against TSI : TSI must immediately cease all forms of communication with me, including phone calls, letters, emails, or contact through third parties.

TSI must be barred from reporting or continuing to report this alleged debt to any credit reporting agency, in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Require TSI to provide comprehensive documentation, including the original contract or agreement, itemized accounting, and proof of compliance with federal disaster relief statutes. And this not limited to the present matter. There is a pattern of this conduct.

The CFPB should investigate TSI for systemic violations of the FDCPA, including patterns of misconduct and bad-faith collection efforts.

Impose sanctions or penalties against TSI to deter future violations and require them to implement corrective measures, including enhanced compliance protocols and oversight.

This complaint serves as a formal demand for enforcement action and my final notice to TSI. Any further pursuit of this matter outside the framework of legal and regulatory compliance will result in immediate litigation. I reserve the right to pursue compensatory and punitive damages for the harm caused by TSIs actions.