Consumer complaint received 2021-05-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TRANSWORLD SYSTEM , INC COLLECTION AGENCY has violated my rights as a consumer. 


Under the FCRA, all unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account number listed above from all of my credit reports. 

Be advised this not a refusal to pay, but a notice sent pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g, stating your claim is disputed and validation is requested.

This a request for VALIDATON made pursuant to the above-named. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 


AT this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action may constitute fraud under both Federal and State laws. Due, to this fact =, if any negative marks is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must CEASE and DESIST under ( 15 USC 1692c ), Communication. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 


XXXX. EXHIBIT A. FDCPA ( 15 USC 1692b ). Infringement upon my consumers right to privacy. You had a right to purchased alleged debt, but you had no right to my information.

2. EXHIBIT B. {$1000.00}. FDCPA ( 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 3. EXHIBIT C. FDCPA ( 15 USC 1692b ( 2 ). not state that such consumer owes any debt ; 4. EXHIBIT D. FDCPA ( 15 USC 1692d ( 1 ). An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

5. EXHIBIT D. FDCPA ( 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and

Company response to consumer: Closed with explanation