Consumer complaint received 2023-03-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
You are in violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) as well as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulatory protections to consumers, as you are collecting on a debt that is invalid/fraud, used abusive and harassing collection tactics during a phone interaction, and incorrectly reporting a collection account that I have no knowledge of due to it being invalid/fraud as well as never having permission to use my personal private nonpublic information to open said account. 
I noticed on my credit report that you are incorrectly reporting a delinquent account with the original creditor for XXXX XXXX. Concerned I contact you all via phone on XX/XX/2023, I was informed through abusive/harassment tactics by a representative that I was delinquent for a light bill in the amount of {$1400.00}. I requested for the service address and was given XXXX XXXX XXXX XXXX, TX XXXX. I advised this is fraud as I have lived at my current address since XX/XX/2023. I have never lived in or even visited XXXX Texas. The representative requested my current address so I could obtain a current bill and file a police report. Not feeling comfortable I advised I would not give this information. Through out this interaction he continued to intimate and coerce me into giving current information. 
I highly encourage you all to listen to the call interaction that I am most certain was recorded because the representative is your company and you all have attempted to collect a debt that is unfair, fraudulent, and false. Transworld System Inc has used abusive tactics to intimidate, coerce, and force me to give a current address to send a bill so I could file a police report for fraud. The representative made a comment of How will I file a police report if I didnt have a statement. This statement is a form of coercion, intimidation and constitutes abusive acts/practices. He wanted me to give current information and made this statement to mislead, tricked, coerced, and intimidated into giving my current address by continuously requesting current information. 
You are also violating FCRA as Transworld System Inc is furnishing/reporting incorrect and false information to my consumer reporting agencies. I demand an investigation of this dispute regarding this information that is being furnished to my tradeline and notify me of your findings. Transworld System IncXXXX XXXX did not have my permission to open this account in my name with my personal private nonpublic information to include my date of birth and social security number. 
You are also in violation of the XXXX regulatory protections as your incorrect/false/fraudulent reporting on this account has caused financial harm to my credit tradeline by impeding me in obtain favorable credit reporting and credit approval with other creditors. This negative reporting has significantly dropped my credit report and I demand it be immediately removed.

Company response to consumer: Closed with explanation