Product: Debt collection

Transworld Systems Inc. 

XXXX XXXX XXXX XXXX, DE XXXX Secondary Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Demand for Immediate Discharge of Invalidated XXXX XXXX XXXX ( Account Ending in XXXX ), Removal of All Data from Credit Reports, and Maximum Legal Remedies for FDCPA, FCRA, and CFPA Violations Complaint Details : What Happened On XX/XX/XXXX, Transworld Systems Inc. ( TSI ) sent a letter in response to my debt validation request for an XXXX XXXX ( XXXX ) account ending in XXXX, which I disputed as fraudulent. TSI claimed to validate the debt by providing copies of statements and a card member agreement, but these documents lack a wet-ink signature, IP logs proving authorization, or a chain of title showing TSIs legal right to collect. This account is part of a broader pattern of fraudulent accounts opened by business funding operations from which I received no value, as evidenced by my FTC Identity Theft Report XXXX XXXXXXXX ( filed XX/XX/XXXX ) and prior CFPB complaints against XXXX ( XXXX XXXXXXXX, XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

An Assignment and XXXX XXXX XXXX dated XX/XX/XXXX, between XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) suggests this XXXX debt may have been sold to XXXX, raising further questions about TSIs standing ( Image ID : XX/XX/XXXX ). Despite my disputes, XXXX XXXX XXXX XXXX continue reporting this account, including charge-offs and late payments, without verification ( Chat ID : XX/XX/XXXX CRA Letter XXXX. TSIs failure to validate and the CRAs sham investigations mirror systemic issues in the CFPBs lawsuits against XXXX  ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) for inadequate dispute handling. 

Specific Violations by Transworld Systems Inc. 
FDCPA XXXX Failure to Validate Debt : TSIs validation attempt with statements and a card member agreement lacks a wet-ink signature, IP logs, or chain of title, failing to meet FDCPA standards ( Attachment : TSI Letter XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation requires original proof. 
FDCPA 1692e False or Misleading Representations : TSIs continued collection efforts without validation misrepresent their legal standing. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collectors must prove standing.

UCC 3-305 Lack of Standing : The Assignment and Bill of Sale to XXXX XXXX XXXX XXXX XXXX XXXX suggests TSI may not own this debt ; without a chain of title, TSI lacks standing to collect ( Image ID : XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Specific Violations by XXXX XXXX FCRA 1681s-2 ( b ) Failure to Investigate : XXXX failed to verify data reported to CRAs, providing insufficient validation despite prior disputes ( Chat ID : XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Arbitration Breach : XXXX transfer to TSI without offering arbitration violates its XXXX arbitration clause ( Chat ID : XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
Specific Violations by CRAs ( XXXX XXXX XXXX ) FCRA XXXX ( a ) Sham Investigations : The CRAs failure to remove unverified data mirrors the systemic issues in the CFPBs lawsuits against XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
FCRA 1681c-2 Failure to Block : The CRAs failed to block this data despite my FTC Identity Theft Report. 
XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ). 
FCRA 1681n Willful Noncompliance : The CRAs practices violate FCRA, as per CFPB lawsuits. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX