Consumer complaint received 2021-01-11
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On Sunday XX/XX/XXXX, I emailed UAS Connect regarding a past due notice for {$120.00} charge to my account. My account was also set to charge an upcoming payment in XX/XX/XXXX. These charges and the past due notice I received were all in error as I am currently a XXXX XXXX and my loans are in deferral until I XXXX In that email, I stated " Please let me know if there's anything more I need to do to resolve these incorrect bills and please be sure to resolve any late notices my credit bureaus may have received. '' I included this statement because I have previous experience with UAS Connect taking over 5 months to correct my credit score, which jeopardized my ability to apply for student loans at that time. 

I received a response on Monday XX/XX/XXXX informing me that my graduate student status was verified and to " Kindly disregard the statement you received. '' On Thursday XX/XX/XXXX and Friday XX/XX/XXXX, I received notifications that my credit score had dropped over 60 points because of 3 missed payments during XXXX. I emailed UAS on both days and received a response stating " your credit reporting has been updated to deferred status or current. '' On XX/XX/XXXX, I emailed again with screenshots of the incorrect reporting. I received this response on XX/XX/XXXX : " Your negative remarks from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been forwarded to the Account Specialist to be corrected. You shouldnt have any past due remarks on your credit since those months were covered by the deferment. Rest assured that youll be notify once we receive an update about this issue. '' I did not receive a notification, so I called UAS twice on XX/XX/XXXX. Both times, the customer service representatives repeatedly assured me that the correct credit information would be reported XX/XX/XXXX. When I stated the information should have been correctly reported on XX/XX/XXXX and XX/XX/XXXX already, they hung up on me. My credit report remained in error so I emailed to inform UAS that they were in violation of my FCRA rights. I also notified them that I would be reporting them if they did not update my account. I received this response : " Our Account Specialist already verified with Credit bureau file that your account reflects no late reporting way back to XX/XX/XXXX and our next update to the agency is on XX/XX/XXXX. Please understand that we are also following our protocol. '' On XX/XX/XXXX, I sent screenshots of my credit reports. On XX/XX/XXXX, UAS responded : " We have sent a credit bureau dispute to the Account Specialist. It will undergo process and investigation. You will receive a feedback once we receive from them. '' I have not heard from them since. 

Today ( XX/XX/XXXX ) I checked my credit score and found that there have been no updates. I emailed today to inform UAS of the credit report and to notify them that I would be pursuing disputes.

Company response to consumer: Closed with explanation