Product: Debt collection

Subject : Formal Complaint Against Transworld Systems for Violations of Federal Debt Collection Laws To Whom It May Concern, I am writing to formally lodge a complaint against Transworld Systems for multiple violations of federal consumer protection laws. Despite my numerous attempts to resolve the issues directly with Transworld Systems, I have been met with noncompliance, lack of transparency, and repeated disregard for my rights as a consumer. Below, I detail the issues and specific violations of the law : Failure to Notify of Negative Credit Reporting Transworld Systems reported a negative entry on my credit report without providing me prior notice as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 7 ). This law mandates that a creditor must notify a consumer within XXXX  days before furnishing negative information to a credit reporting agency. I was blindsided by this report and was never given an opportunity to dispute or address the alleged debt. 

Failure to Notify of the Debt and Denial of Opportunity to Dispute Transworld Systems never notified me of this alleged debt or provided me with the opportunity to dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This omission violates my rights to receive proper notification and dispute the validity of the debt within XXXX  days of such notice. 

Refusal to Provide Debt Verification I have repeatedly requested verification of the debt under the FDCPA, 15 U.S.C. 1692g ( b ). Specifically, I asked Transworld Systems to provide the purchase agreement or original account details to substantiate the validity of the debt and confirm that it is indeed mine. Transworld Systems has failed to comply with this request and has instead stated that the debt has been sold to another company. This refusal to verify the debt violates my right to obtain validation and raises concerns about their record-keeping practices. 

Failure to Provide Adequate Notice of Sale or Transfer Transworld Systems indication that the debt has been sold to another company was given without proper notice or details about the new creditor. This violates my rights under the FDCPA, 15 U.S.C. 1692e ( 10 ), which prohibits deceptive practices, and the Truth in Lending Act ( TILA ), 15 U.S.C. 1641 ( g ), which requires creditors to notify consumers of the transfer of their debt within XXXX days. 

Hindering My Ability to Resolve or Dispute the Debt Transworld Systems actions have prevented me from resolving this issue in good faith. By failing to provide necessary documentation and notices, they have obstructed my ability to verify the debt or dispute its validity. This is a clear violation of consumer protection principles enshrined in both the FDCPA and FCRA. 

Steps Taken to Resolve the Issue : I requested validation of the debt from Transworld Systems, but they failed to provide the necessary documentation. 

I asked for a copy of the purchase agreement to determine if the debt truly belongs to me, and this request was ignored. 

I attempted to address the reporting discrepancies on my credit report, but Transworld Systems has been uncooperative in correcting or clarifying the information.