Consumer complaint received 2022-04-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I sent a letter to TransWorld Systems inc exceriseing my right under 15 U.S. Code section 1692g with tracking number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransWorld received my letter XX/XX/XXXX XXXX  responded with a letter disputing this alleged debt with the consumer reporting agencies and admitting to neither confirm or deny the presence of inaccurate information. they say they may not have suffienct time to complete an investigation of the alleged inaccuracy. they attached a statement to this letter as their " validation '' to be able to collect on this alleged debt. 

XX/XX/XXXX I sent TransWorld a letter tracking number XXXX XXXX XXXX XXXX XXXX saying that they are in violation under the FDCPA by failing to provide me sufficent enough proof to collect on this debt under my name. I also notated that they listed another debt buyer XXXX XXXX XXXX XXXX as the creditor. correct me if im wrong but why would TransWorld list another debt buyer on their response letter? isn't this considered false representation? I also stated that I refuse to pay this alleged debt until the proper proof of this debt has been provided. that is my right! Statements is not a form of PROOF. I need more. TransWorld NEVER ceased collection of this account while they " investigated '' and honestly still didn't ceased collection until this day even tho they still fail to provide me sufficient enough proof. to my understanding these procedures are going against the FDCPA. 

XX/XX/XXXX TransWorld received my letter I have yet to hear back from this collection agency regarding my 2nd notice. 

XX/XX/XXXX I checked my XXXX report and noticed not only is this account still reporting illegally but they report a date of XXXX deliquency of XX/XX/XXXX putting this account to be removed XX/XX/XXXX. 
the contact address listed on my report shows a address that is NOT collectable in my state of texas according to the Secretary of State website. 

XX/XX/XXXX I checked my XXXX report and noticed not only did they recently report on XX/XX/XXXX but they reproted ON Record Until XXXX XXXX that would mean the date of 1st deliquency is claiming to be XX/XX/XXXX? they are also reporting a po box as their contact address which is another error. 

this is ridiculous and must be handled. not only did they NOT provide me proof, only statements, but they admit to not being able to complete their investigation in a timely manner, they failed to ceased and desist reporting UNTIL they have provided the proof, they report different contact addresses that have been cancelled closed file but most importantly they are reporting different running of reporting time frames with the consumer reporting agencies manipulating the date of 1st deliquency date AFTER they have recently reported. 

my consumer reports have had enough damage due to TransWorld Systems inc non compliance and improper procedures and illegal practices. at the end of the day TransWorld is the furnisher of this alleged debt that is reporting to all consumer reporting agencies on my PRIVATE NON PUBLIC consumer reports which I gave them NO WRITTEN permission to do so. experiencing this had made me research more and more on my consumer rights and I take my credit very seriously. I have read that consumers have a right to privacy and debt collectors must comply under federal laws. why is TransWorld able to get away with reporting inconsistent and inaccurate information and collect on a alleged debt that they have no authority nor no proof to do so?

Company response to consumer: Closed with explanation