Product: Debt collection

Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint Against TRANSWORLD SYSTEMS Inc. and XXXX XXXX XXXX XXXX XXXX Regarding Violation of Privacy and Debt Collection Practices To Whom It May Concern, I am writing to formally lodge a complaint against TRANSWORLD SYSTEMS Inc. ( TSI ), a debt collection agency, and XXXX XXXX XXXX XXXX XXXX the main creditor, concerning their handling of my alleged debt and the resulting negative impact on my credit report. This complaint is pursuant to the privacy and consumer protection guidelines established under PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ), particularly referencing 12 CFR 1016.1, 12 CFR 1016.4, 12 USC 531, and 15 USC 6802, in addition to the Fair Credit Reporting Act ( FCRA ) provision 15 USC 1681i. 

I previously disputed and had removed an entry related to this account from my credit report a few months ago. However, TSI has reinserted this account on my credit report without providing me with any prior notice, in direct violation of 15 USC 1681i ( 5 ) ( b ). No attempt was made to validate this debt with me before reporting it, which has deprived me of the opportunity to challenge or verify the accuracy of the debt in question.

Given that TSI and XXXX XXXX XXXX XXXX XXXXre publicly traded companies, with TSI operating under the parent company XXXX  XXXX XXXX XXXX XXXX XXXX File Nos. XXXX ; XXXX ; XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ), I am entitled to a clear and accurate accounting of the alleged debt, as well as proof of their authority to collect said debt. I request that the following documents be provided to me within 30 days from the date of this complaint : 1. Purchase Agreement : A copy of the purchase agreement between XXXX XXXX XXXX XXXX and TSI, reflecting the details of the transaction for the alleged debt.

2. Original Contract : A copy of the original contract with XXXX XXXX XXXX XXXX. that includes my signature and details of the agreement, confirming that XXXX XXXX XXXX XXXX did not simply sell the debt but assigned it to TSI with all the attendant obligations and rights. 

3. Form 1099 : A detailed Form 1099 showing the full payment history and a breakdown of the alleged debt, with explanations for each line item, date of purchase, receipt of goods, and other relevant details.

4. Date of Last Activity : The date of the last activity on the account, which is crucial for proper validation of the debt, and a letter of sale or assignment from XXXX XXXX XXXX XXXX XXXX TSI. 
in light of the Spears v. Brennan case : Moreover, I must emphasize the legal imperative, as established by the case Spears v. Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509, which mandates that debt collectors provide consumers with comprehensive documentation of their indebtedness, including the original contracts and terms of agreement. TRANSWORLD SYSTEMS Inc. 's failure to provide me with the necessary documentation detailing the nature and terms of the alleged debt contravenes this legal standard. Compounding this issue is their violation of 15 USC 1681i ( 5 ) ( b ) by reinserting a previously deleted account on my credit report without any prior notice. This action has not only infringed upon my rights under the Fair Credit Reporting Act but has also unjustly hindered my ability to challenge or verify the alleged debt. I hereby insist upon a prompt and thorough validation of this debt, which must include all contracts or documentation that substantiates the alleged indebtedness. In the event that TRANSWORLD SYSTEMS Inc. can not provide such validation in compliance with the law, I demand the immediate removal of the disputed account from my credit report and an end to all collection activities related to this matter.

Given that both TSI and XXXX XXXX XXXX XXXX issue XXXX and bonds and engage in the purchase of contracts which are considered purchase money loans, it is imperative that they adhere to the Uniform Commercial Code ( UCC ) and consumer protection laws related to contracts and debt collection. 

I expect a prompt and detailed response to this complaint, including the provision of all requested documentation. Should TSI be unable to validate the debt or fail to adhere to the aforementioned regulations and legal obligations, I demand that the entry be removed from my credit report immediately, and any further collection attempts be ceased. 

Thank you for your attention to this matter. I look forward to your swift action to resolve this issue. 

Sincerely, XXXX