Consumer complaint received 2024-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IN)

Subject : Complaint Against Nationwide Credit , Inc. aka Transworld Systems Inc. for Unauthorized Credit Inquiries. 

Details of the Complaint : On XX/XX/XXXX, Nationwide Credit , Inc. aka Transworld Systems Inc. made XXXX unauthorized " soft pull '' inquiries on my consumer credit report. These inquiries were made without my consent or any permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). 

I have no prior business relationship with Nationwide Credit , Inc., and I did not apply for any credit, services, or employment with this organization. Therefore, there is no legitimate reason for them to access my personal credit file. 

The unauthorized inquiries are a violation of my rights under the FCRA and an invasion of my privacy. These actions caused unnecessary stress and may have affected the integrity of my credit file. 
What Ive Done to Resolve the Issue : I contacted the credit reporting agencies ( XXXX, XXXX, and/or XXXX ) to dispute the inquiries. 
I attempted to contact Nationwide Credit , Inc. for an explanation, but no satisfactory resolution was provided. 


Below is a complaint template you can use to submit to the Consumer Financial Protection Bureau ( CFPB ) regarding Nationwide Credit , Inc. aka Transworld Systems Inc. for alleged unauthorized credit inquiries under the Fair Credit Reporting Act ( FCRA ). You can file this complaint online at the CFPB 's website : Submit a Complaint to the CFPB. 

Subject : Complaint Against Nationwide Credit , Inc. aka Transworld Systems XXXX for Unauthorized Credit Inquiries Details of the Complaint : On XX/XX/XXXX, Nationwide Credit , Inc. aka Transworld Systems XXXX made XXXX unauthorized " soft pull '' inquiries on my consumer credit report. These inquiries were made without my consent or any permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). 

I have no prior business relationship with Nationwide Credit , Inc., and I did not apply for any credit, services, or employment with this organization. Therefore, there is no legitimate reason for them to access my personal credit file. 

The unauthorized inquiries are a violation of my rights under the FCRA and an invasion of my privacy. These actions caused unnecessary stress and XXXX have affected the integrity of my credit file. 

What Ive Done to Resolve the Issue : I contacted the credit reporting agencies ( XXXX, XXXX, and/or XXXX ) XXXX dispute the inquiries. 
I attempted to contact XXXX XXXX XXXX XXXX for an explanation, but no satisfactory resolution was provided. 
Requested Resolution : I request that the CFPB investigate this matter and hold XXXX XXXX XXXX XXXX accountable for : Removing the unauthorized inquiries from my credit reports. 
Explaining the reason for these inquiries and demonstrating compliance with the FCRA. 
Ceasing any future unauthorized access to my credit report. 
Additionally, I request that XXXX XXXX XXXX XXXX be penalized for violating the FCRA to deter similar violations in the future. 

Supporting Documents : A copy of my credit report showing the unauthorized inquiries. 
Any correspondence with XXXX XXXX XXXX XXXX or the credit reporting agencies regarding this issue. 

XXXX XXXX XXXX XXXX aka Transworld Systems Inc The CFPB previously sued the companies to halt their illegal conduct and seek redress and other relief. In XX/XX/XXXX, the district court ruled that the defendants violated the advance fee provision of the XXXX XXXX XXXX. The Telemarketing Sale Rule provides a range of protections for consumers related to telemarketing and sets payment restrictions for certain goods and services. It requires credit repair companies to wait until XXXX months after they provide the consumer with documentation reflecting that the promised results were achieved, before they request or receive payment from the consumer. also a debt collection company.