Product: Debt collection

Portal Date : XX/XX/year> To : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Re : CFPB Complaint # XXXX Account No. : XXXX Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Amount : {$180.00} Dear TSI Consumer Affairs : Your repeated failure to properly validate this debt, coupled with your continued credit reporting despite this failure, constitutes willful violations of federal law. This letter serves as your FINAL NOTICE before the commencement of immediate legal action. 

FAIR DEBT COLLECTION PRACTICES ACT VIOLATIONS Your responses dated XX/XX/year>, and XX/XX/year>, brazenly violate 15 U.S.C. 1692g. A photocopied bill does NOT constitute valid debt verification. You have failed to provide : 1. Documentation proving your legal right to collect this debt 2. The complete chain of title showing proper assignment from XXXX XXXX XXXX XXXX XXXX. A detailed accounting of the alleged debt 4. The original signed contract 5. Proof this debt is within Texas 's statute of limitations Your failure to provide these materials within the statutory 30-day validation period renders any further collection activity, INCLUDING CREDIT REPORTING, illegal under 15 U.S.C. 1692g ( b ).

FAIR CREDIT REPORTING ACT VIOLATIONS Your continued credit reporting while failing to properly validate this debt violates 15 U.S.C. 1681s-2 ( b ). Simply marking an account as " disputed '' is grossly insufficient when you can not provide basic validation. This constitutes willful noncompliance under 15 U.S.C. 1681n, exposing TSI to statutory damages of {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees. 

TEXAS DEBT COLLECTION ACT VIOLATIONS Your actions also violate multiple provisions of the Texas Finance Code 392.001 et seq., including : - Attempting to collect a debt without proper validation - Misrepresenting the character and legal status of the debt - Failing to properly verify disputed information IMMEDIATE DEMANDS You have 48 HOURS to : 1. Request DELETION ( not dispute status ) of ALL credit reporting related to this account XXXX. Provide WRITTEN CONFIRMATION through the CFPB portal that such deletion requests have been submitted 3. Cease ALL collection activity permanently If these demands are not met within 48 hours, I will immediately : 1. File a federal lawsuit seeking maximum statutory damages under the FDCPA ( {$1000.00} ), FCRA ( {$1000.00} per violation ), and TDCA ( {$100.00} per violation ) 2. Seek actual damages, including damage to credit reputation 3. Pursue punitive damages for willful noncompliance 4. Seek attorney 's fees and costs 5. File complaints with : - Texas Attorney General 's Office - Federal Trade Commission - Texas Public Utility Commission ( regarding your Permit # XXXX ) - Consumer Financial Protection Bureau for pattern of non-compliance Your " restrictive status '' means nothing when you continue to harm my credit through improper reporting. Each day of continued reporting constitutes a new violation, increasing your liability. 

NOTICE OF EVIDENCE PRESERVATION You are hereby notified to preserve ALL records relating to this account, including : - All internal communications- All communications with XXXX XXXXXXXX XXXX XXXX - All documentation relating to the purchase/assignment of this debt - All credit reporting records and communications- All account notes and records- All call recordings and transcripts Destruction of any such evidence will result in additional claims for spoliation of evidence. 

This matter will be resolved either through your immediate compliance or through federal court intervention. The choice is yours, but the deadline is firm. 

All further communication must be through the CFPB portal. Your previous responses demonstrate bad faith and will be used as evidence in legal proceedings. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Texas Attorney General 's Office Federal Trade Commission Texas Public Utility Commission