Consumer complaint received 2023-11-27
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, I hope this correspondence finds you well. Last XXXX XXXX XXXX I received a letter from Transworld Systems stating that I owed XXXX {$1400.00} and had until XX/XX/XXXX to call or write to dispute the debt. I called them on XXXX to advise that I did not know what this debt was and had not received any other correspondence/bill from them or from XXXX. I asked if they had any additional information about this supposed outstanding bill and the only thing they could tell me was that it was from an account in XXXX. When I asked why I had not heard anything about it until now, they did not have an answer for me. So, I disputed the account with them on the phone that day ( XXXX ) and requested a validation letter/itemized bill for the amount requested. I was told that they needed to request that bill from XXXX and to check back with them in XXXX business days. I was also told that they would mail me a validation letter/itemized bill to the address they had on file, which was the same address as the initial letter they mailed me on XXXX. 

I called them again on XXXX to ask if there was any update as I had not received anything in the mail yet. They told me that I did not need to keep calling because I would receive a validation letter in the mail from them. However, I was concerned about something falling through the cracks and just wanted to keep double-checking out of concern of this hitting my credit report so I kept calling. I called again on XXXX and also XXXX and these phone calls were identical to the previous two calls. I was told the account was still in dispute and that they were still waiting to hear from XXXX before they could produce a validation letter. 

In doing some research throughout this time I found out that a debt collector is required by law to produce a validation letter/itemized bill and are required to do so within 30 days of originally requesting it. I originally requested this on XXXX. On my XXXX and XXXX calls with Transworld Systems Incorporated I indicated that this was way past the 30 day mark to produce a validation letter/itemized bill and wanted this debt collection attempt to be terminated. They told me that the only thing I could do was keep waiting. 

Subsequently, I found out on this past XXXX ( XXXX ) that this was reported to all credit bureaus resulting in a substantial derogatory mark and decrease in credit score/rating. I called Transworld Systems Incorporated earlier this morning ( XXXX ) stating that the account was in dispute and that I still had not received a validation letter/itemized bill and that this has now been reported to all three credit bureaus. They are still unable to tell me what the bill is even for. I requested this negative item be removed from all credit bureaus and this request was denied. This has been an extremely upsetting experience. I feel as though I went above and beyond to try and sort this out and that my rights were substantially violated. 

Attached is the only mailed correspondence I have received from Transworld Systems Incorporated, the original letter dated XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation