Consumer complaint received 2019-06-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
i am responding to this on a different complaint again but same issue. 

From previously closed complain : Company 's Response XXXX XXXX XXXX " The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX  ) received your correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your student loan which was previously serviced by XXXX XXXX XXXX ( XXXX ). The XXXX performed a review of your Continuing Education Loan ( CELN ) held by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Specifically, we reviewed the loans financial activity and credit reporting. In your inquiry, you expressed concerns about the unfavorable credit reporting that occurred on the loan. Because the loan had been current prior to the cosigners bankruptcy filing, you requested for the charge-off to be removed from your credit report. As you may already know, the cosigner on the loan filed for bankruptcy on XX/XX/XXXX. As a result, the XXXX defaulted in accordance with the terms of the Credit Agreement. At the direction of XXXX, the loan transferred from XXXX XXXX XXXX to XXXX collection manager, Transworld Systems , Inc. ( TSI ), effective XX/XX/XXXX. This information was submitted to the consumer reporting agencies. XXXX received and investigated your credit reporting complaint. XXXX investigation included the review of all relevant account history and documentation, including any information you provided. Based on this review, XXXX determined the information reported is accurate. Therefore, no adjustments will be made to the credit report. No further action is planned by the Office of Consumer Advocacy at this time. If you require any information on the status of the loan after its default, please call the collection manager, TSI, directly at XXXX ( telephone number ). For additional questions regarding your loan prior to its default, please feel free to contact XXXX directly at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX., ET. '' Ill be short and to the point. This account is a charge off supposedly XXXX owns it and TSI is currently in possession of my account. Id like to be provied proof and documents that XXXX actually owns this debt and that i even owe them. Provide the transfer paperwork and verify this debt showing the transition from XXXX  XXXX XXXX and when it was a XXXX loan back in XXXX. If this account cant be verified and proven that XXXX legally owns this please remove and delete from all 3 credit bureaus. 
Its been over 4 years since it was charged off and there is no other collections or accounts after XXXX charged it off. I believe this is an unverified debt and is noncollectable. As you can see i was current since XXXX has advised to Default and practice unfair practices I will be expecting proof of ownership and legal right to collect and if this cant be resolved here i will resort to legal action.

Company response to consumer: Closed with explanation