Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (PA)

I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to Transworld Systems Inc by XXXX in XXXX XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by Transworld, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay Transworld and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XXXX/XXXX/XXXX and my score was XXXX. On XXXX/XXXX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by Transworld Systems Inc . The same account that I had paid in XXXX of the previous year. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that Transworld reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact Transworld again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for Transworld to live up to the agreement we made in XXXX of XXXX and remove this negative mark on my credit bureaus. I have made additional attempts to have this removed from XXXX directly and was unsuccessful. I spoke with a Transworld Systems supervisor on XXXX/XXXX/XXXX and he reiterated that their company policy was to report current status. He validated that I had called their office on XXXX/XXXX/XXXX to inquire that the reporting to the credit bureaus was fixed and he interpreted that as meaning paid in full. I stated that it was about removing it altogether as I was informed by a rep from their company that it would be after I made payment. He also said that what I was told by a rep in XXXX XXXX was incorrect and in fact that I could not review the call recording made in XXXX of XXXX and that no effort would be made to retrieve it. He suggested I write to the corporate office with a " letter of concern ''. Again I am looking for Transworld Systems Inc to live up to their promise and remove this tradeline from XXXX major credit bureaus.