Product: Debt collection

I am filing a formal complaint regarding an ongoing issue with XXXX XXXX, Transworld Systems, and XXXX. XXXX, all of whom have contributed to an unjust and unresolved debt collection matter that has severely impacted my XXXX XXXX. Despite multiple attempts to resolve the issue, none of these companies have taken appropriate action to correct the error, and I am being unfairly penalized for charges that are not valid. 

Summary of Events In XX/XX/year>, I upgraded my XXXX XXXX hotspot device but quickly determined that it did not meet my needs. I returned the device within XXXX 's XXXX return policy, using the XXXX shipping label provided by XXXX. The package was successfully delivered to XXXX on XX/XX/year> ( Tracking Number : XXXX ). However, by the end of XXXX, my XXXX account incorrectly showed that the return was canceled and that they never received the device. 

I contacted XXXX multiple times to resolve the issue, including phone calls on XX/XX/XXXX, XXXX, XXXX, and XXXX, 2024. On each occasion, I was told that the return had not been processed correctly and that a refund would be issued. I was also promised follow-up communications and case escalation, but none of these promises were fulfilled. 

XXXX XXXX and XXXX on Credit Despite XXXX receiving the returned device, they continued to charge me for the device and the monthly service plan. After weeks of frustration, I canceled my XXXX account and initiated a chargeback with my credit card company. XXXX 's refusal to correct the error resulted in continued billing for services and equipment I no longer had in my possession. 

In XX/XX/year>, Transworld Systems contacted me regarding the alleged debt ( Ref : XXXX ). On XX/XX/year>, I sent them a formal reply disputing the debt and requesting validation, including evidence of the return. Instead of addressing my dispute, Transworld Systems ignored my reply and forwarded the alleged debt to another collection agency, XXXX. XXXX, XXXX ( XXXX : XXXX ), which contacted me in XX/XX/year>. On XX/XX/year>, I sent XXXX. XXXX the same dispute letter, but again, no action was taken to resolve the matter. 

As a result of these companies continued inaction, the debt was reported to the credit bureaus, and my near perfect XXXX XXXX dropped by over XXXX points. This drop occurred despite the fact that XXXX received the returned equipment and the charges in question are clearly invalid. 

Repeated Attempts to Resolve the Matter Throughout this entire process, I have made multiple attempts to resolve the matter with XXXX, Transworld Systems, and XXXX. XXXX, including the formal letters I mentioned above. Despite my best efforts, all three companies have ignored my disputes and failed to correct the error. I am being harassed by debt XXXX for an invalid debt, and this is causing significant and unjust harm to my credit. 

Request for Resolution I respectfully request that the Consumer Financial Protection Bureau investigate the following : - XXXX XXXX : Failure to process the return of equipment correctly, continued billing for equipment and services not in my possession, and improper debt reporting. 

- Transworld Systems and XXXX. Systems : Failure to validate the debt after I provided formal dispute notices, as required by the Fair Debt Collection Practices Act ( FDCPA ), and continued reporting of inaccurate information to the credit bureaus. 

- XXXX XXXX XXXX : The negative impact on my XXXX XXXX due to these companies failures to resolve this issue, despite clear evidence that the charges are invalid. 

I request that XXXX XXXX, Transworld Systems, and XXXX. Systems cease all collection efforts related to this invalid debt and correct any erroneous information reported to the credit bureaus.