Consumer complaint received 2022-05-05
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In response to Complaint # : XXXX My name is XXXX XXXX , an agent for principal XXXX XXXX , a federally protected consumer, holder in due course, and attorney in fact and I am making this complaint against TRANSWORLD SYSTEMS , INC. for violating a cease-and-desist notice they received on XX/XX/XXXX. These abusive, deceptive and unfair debt collection practices have brought severe stress and anxiety. 
I have pulled my latest credit report and I am very frustrated that this alleged debt is continuing to bring harm to me and my financial reputation. Transworld Inc. stated, We have also updated your account to reflect your request for no further communications. I am aware that pursuant 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As you should be aware, a credit report is a medium. 
Transworld Systems Inc. stated, We purchased your account from XXXX XXXX on XX/XX/XXXX. 
I am aware this is securities fraud. I am also aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned shall both be held liable for violations under 15 U. S. Code 1692e ( 12 ). 
Transworld Systems Inc. stated, We mailed our initial letter to you advising you of your rights to dispute the account under the Fair Debt Collection Practices Act ( FDCPA ). 
I never received any letter from Transworld Systems Inc. prior to them furnishing this alleged debt to my consumer report. This is a violation of 15 U.S. Code 1692d ( 4 ). XXXX XXXXXXXX XXXX has made it abundantly clear that consumer credit reports are a no debt parking zone. If Transworld Inc. can not provide me with proof that they attempted to lawfully validate this alleged debt prior to furnishing it to my consumer report, such as a tracking number or a return receipt bearing my wet signature, this has been a fraudulently furnished tradeline with forethought and malice as a means to bring harm to me and financial reputation. According to the FTC, Reporting debts first and asking questions later or not at all can land XXXX in a steaming alphabet soup of FDCPA and FCRA violations. 
I have never validated this allege debt and my failure to dispute this alleged debt shall not be construed as an admission of liability pursuant 15 U.S. Code 1692g ( c ) Transworld Systems Inc. stated, As part of our investigations, we have reviewed your Line of Credit Disclosure and Account Agreement, Billing Rights, Consent for Electronic Funds, and transaction ledger including your last payment in the amount of {$2.00} made on XX/XX/XXXX. 
I have never contracted with Transworld Systems Inc. so Transworld Systems Inc. has no lawful authority to be in possession of my identifying information. This is identity theft pursuant 15 U.S. Code 1681a ( q ) ( 3 ). If Transworld Systems Inc, can not provide a trilateral contract where I consented to the use of my identifying information, Transworld Systems Inc is in violation of 18 U.S. Code 1028A and shall be held criminally liable for aggravated identity theft.

Transworld Systems Inc. stated Weve also reviewed your personal documentation provided at the time the account was opened including your drivers license, XXXX XXXX XXXXXXXX Checking statement, and payroll check. We are mailing you our response and copies of your account documentation. 
Transworld Systems Inc. has not provided me with any documentary evidence proving that I have any legal obligation to pay them. I would like for Transworld Systems Inc. to be aware that furnishing false and deceptive forms is a violation of 15 U.S. Code 1692j. 

If Transworld Systems Inc continues these abusive, deceptive, and unfair debt collection practices, I will be forced to report them to XXXX XXXX XXXX again for unlawful extortionate activities. I am aware that a collection of an extension of credit by extortionate means is a violation of 18 U.S. Code 894 and carries a criminal liability of up to XXXX years imprisonment. I would like for Transworld Systems Inc to provide me a name and address for the bonding agent for Transworld System Inc in case a suit has to be filed in Federal Court.

Company response to consumer: Closed with explanation