Product: Debt collection

XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Debt Account No. XXXX Dear Transworld Systems Inc., I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt of {$77.00}. While I appreciate your acknowledgment of my dispute and communication with XXXX XXXX your response fails to address key legal requirements and continues to violate federal laws. 

Violations of Federal Law 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : Disputed Debts The FDCPA requires debt collectors to cease collection efforts until they provide adequate validation of the debt. Merely forwarding a breakdown of charges without providing proof of my liability, such as a signed contract or explicit agreement to these charges, is insufficient.

15 U.S.C. 1692e ( 8 ) : False or Misleading Credit Reporting Reporting a disputed debt to credit bureaus without proper validation is a violation of the FDCPA. You have admitted that you can not confirm or deny the accuracy of the information. This
failure exposes you to liability under this provision.

2. Federal Arbitration Act ( FAA ) The original agreement with T-Mobile explicitly mandates arbitration for any disputes. By attempting to collect this debt without initiating arbitration proceedings, you have breached the terms of the agreement and rendered your collection efforts invalid.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Duty to Investigate Disputes Under the FCRA, data furnishers are required to investigate disputed information thoroughly. Your letter acknowledges the disputed status of this debt but does not demonstrate a good faith investigation into its accuracy or legitimacy.

4. Failure to Provide a Legitimate Breakdown of Fees The alleged debt includes a service charge, late fee, and XXXX fee, but no explanation is provided for how these fees were calculated. Without proper substantiation, these charges may constitute unauthorized or inflated fees, which are prohibited under 15 U.S.C. 1692f ( 1 ).

My Position and Demands Given the above violations, I maintain that : 1. This debt remains unvalidated and therefore unenforceable under federal law.

2. Your collection efforts are unlawful without initiating arbitration as required by the original agreement.

3. The reporting of this debt to credit bureaus must cease immediately until the debt is properly validated and resolved through arbitration.

I demand the following actions : 1. Immediate Cease and Desist : Stop all collection efforts,
including phone calls, letters, and credit reporting, until this matter is resolved through arbitration.

2. Correction of Credit Reports : Notify all credit bureaus of the removal of this debt from my credit report. Provide written confirmation that this has been completed.

3. Detailed Documentation : Provide all supporting documentation, including : A signed agreement or contract linking me to this debt. 
Proof that the fees and charges comply with applicable laws. 
Evidence of any arbitration attempts by XXXX or Transworld Systems XXXX 
4. Monetary Compensation : I demand {$2500.00} in damages for your violations of the FDCPA and FCRA, as permitted under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ).

Legal Consequences If these demands are not met within 15 days, I will : File a complaint with the Federal Trade Commission ( FTC ).

Report your actions to my state attorney general.

Pursue legal action for statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1692k and 15 U.S.C. 1681n.

Your failure to adhere to federal laws and the arbitration agreement reflects a disregard for consumer rights. I urge you to resolve this matter promptly and avoid further legal exposure.

Thank you for your attention to this matter. I look forward to your written response and resolution. 

Sincerely, XXXX XXXX