Consumer complaint received 2020-12-16
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Business Information University Accounting Service LLC XXXX XXXX XXXX XXXX, WI XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : UAS is saying that I was late on a payment that they weren't able to notify me about nor did they notify me about. A statement was sent in XXXX of XXXX to the wrong address for payment and an account was added to my report which prompted me to call them in XXXX ofXX/XX/XXXX Come to.fi d out they dont have my phone number, address or email and they had to update it accordingly. I asked them how much are the payments and they said {$120.00} every 3 months. I said okay ill wait for the statement paid same day and been paying ever since. I go apply for a mortgage and get approved and my lender calls me and says you have a 30 day late payment on your report for XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I ask how the rep says it's from XXXX. I ask why wasnt that on the first statement you sent to me in the mail stating that these funds are owed and how can I be late paying a bill i was never notified about or knew about or had a chance to pay? In the system our 1st conversation that only happened because I called since it hit my credit report was in XXXX of XX/XX/XXXX where I was first aware of this. I dont understand why you are telling the credit bureaus that I missed a payment on a debt I was never notified about nor got any disclosures on. You didnt have my address, phone or email on file in XXXX when we first spoke. Nor is the XXXX payment that you say I owe anywhere on the 1st statement sent in XXXX or on any future statements. If you are going to tell the credit bureaus i was 30 days late i think i need to be made aware that i owe you anything.. 1. ) Never got any direct or proper notices until XX/XX/XXXXXX/XX/XXXX 2. ) The statements sent after XXXX of XX/XX/XXXXdont include any payment owed from XXXX yet on the credit report it says XXXX XXXX I was 30 days late while I wasnt even aware of any debt owed. 3. ) The very first statement I received in XXXX of XX/XX/XXXX states on the statement NOTHING is past due I kept for my records it says {$0.00} is owed/past due. How if on my credit report now it says I was 30 days late back in XX/XX/XXXX before our 1st initial conversation in XXXX. This is impacting my mortgage and I have no other late history for the year besides this. I need this 30 day late notice on my report removed asap as I wasnt even aware and the statements after the conversation held in XXXX doesnt even include it. 
Desired Resolution : Correction to a credit report Desired Outcome Remove the missed payment off of my credit report asap. I am on the middle of buying my first home and the lender says that's the only thing on my report for the year and its stopping me from getting the home Yet I already spent money on the home and the inspections so I need a quick update to reflect that I dont have any missed payments as settlement is XX/XX/XXXX. So needs to be updated before XX/XX/XXXX.

Company response to consumer: Closed with explanation