Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MI)

On XXXX XX/XX/XXXX XXXX recieved a notification from XXXX that a collection account was placed on his report. Upon logging into the respective web portals Consumer found Transworld Systems Inc. ( " TSI '' ) placed a collection item in files that XXXX, XXXX, and XXXX keep regarding Consumer. Consumer disputes the alleged collection item in full for the following reasons : 1. Lack of Proper Notice : Consumer has neither received communication from nor received notice from Transworld Systems Inc. regarding the alleged debt. According to the Fair Debt Collection Practices Act ( FDCPA ), Consumer has the right to be notified of any debt being collected. Despite residing at the same address for over a year at the time of alleged placement, no notice was provided by TSI to consumer This can be confirmed by the records of XXXX, XXXX, and XXXX ; XXXX. Failure to Verify Address : If XXXX provided XXXX with an outdated address, TSI should have verified the accuracy of the address before sending any notices. The failure to ensure the notice reached XXXX further underscores TSIs failure to follow reasonable procedures ; XXXX. Violation of FDCPA : By failing to provide Consumer with proper notice and an opportunity to dispute the debt, TSI violated Consumers rights under the FDCPA. This suggests that TSI may have deliberately avoided notifying Consumer so that they could place the collection item in credits files the CRAs keep regarding consumer to extract payment independent of the validity of the alleged debt ; 4. Access to Account Information : TSI 's online system requires a registration code, a reference number, or a TSI ID to log in and access information regarding alleged debt. This code is supposed to be found in a letter or email sent by TSI, which Consumer have never received regarding the alleged debt. This further underscores the lack of proper notice and communication from TSI ; 5. Materially Misleading Information : The information reported by TSI is materially misleading under the standard set forth in XXXX XXXX XXXXXXXX. ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ) .The omission of critical details, such as the lack of proper notice and the need for a specific login code, creates a misleading impression that adversely affects Consumers creditworthiness ; 6. Accuracy of Information : The Date of First Delinquency ( DoFD ) is alleged to be XX/XX/XXXX, yet the collection was only reported on XXXX XX/XX/XXXX. This delay and the lack of communication raise serious concerns about the accuracy and validity of the alleged debt reported ; XXXX. No Inquiries on Credit File : There are XXXX ( XXXX ) inquiries from TSI in credit the credit files XXXX, XXXX, and XXXX keep regarding Consumer. This suggests a lack of proper due diligence by TSI to verify any alleged address to which they purport to have mailed any collection notice ; XXXX. Billing and Payment Processing Issues : Between XXXX and XXXX XXXX had significant billing and processing irregularities for Consumers utility account, which resulted in delays in billing and payment processing. These issues were documented in Consumers CFPB complaint dated XXXX XX/XX/XXXX ( attached ). Additionally, an energy draft for {$620.00} issued by Consumers state of residence was never applied to Consumers XXXX account, further contributing to the inaccuracies ( attached ). Despite these discrepancies, the damage to Consumer 's credit report and financial standing has already been done. TSI has failed to follow reasonable procedures to assure the maximum possible accuracy of the information it reports to the CRAs, and this has resulted in significant harm to Consumer 's creditworthiness.