Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NJ)

Complaint Overview I am filing this complaint against Transworld Systems Inc. ( XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unauthorized use of my Social Security Number ( SSN ) for commercial purposes. The company has continued to engage in unlawful debt collection practices despite being served with a Cease and Desist notice. 

Details of the Complaint Cease & Desist Notice Under FDCPA On XX/XX/year>, I sent a Cease and Desist notice to Transworld Systems Inc. instructing them to stop all communications and collection activities in accordance with 15 U.S.C. 1692c ( c ). The notice explicitly stated that if TSI continued any communication or collection activity, it would be a violation of the FDCPA, which subjects them to civil liability under 15 U.S.C. 1692k ( a ) ( 1 ). Despite this, TSI has continued its attempts to collect a debt that has not been validated.

The collection letters sent by TSI misrepresent the validity of the debt, constituting a violation under 15 U.S.C. 1692e ( 10 ) for false and misleading representations. Furthermore, TSI, as a third-party debt collector under 15 U.S.C. 1692a ( 6 ), failed to prove that they have any enforceable right to collect the alleged debt, violating my rights under the FDCPA. 

Social Security Fraud TSI has unlawfully used my Social Security Number without my consent, in violation of federal law. My SSN is intended solely for tax reporting purposes. TSIs use of my SSN for commercial gain constitutes identity theft and fraud. This action is a serious violation, and I have informed TSI that I would report this fraudulent use to the Office of Inspector General and other federal authorities. Despite this, TSI has not ceased its activities.

Violation of Fair Credit Reporting Act ( FCRA ) TSI has reported false and misleading information to credit reporting agencies, thereby violating my rights under the FCRA. According to 15 U.S.C. 1681s-2 ( b ), TSI has a duty to report accurate information, and they have failed to comply with these obligations. 

XXXX XXXX The continued harassment and collection efforts by TSI amount to criminal extortion under 18 U.S.C. 875 ( d ). The company 's behavior has caused significant stress and harm, and I demand immediate action to halt these illegal practices. 

XXXX Sought Immediate Cessation of All Collection Activities : I request that the CFPB direct TSI to cease all collection activities and communication as per my Cease and Desist notice. 

Compensation for Damages : I seek statutory damages under the FDCPA, in the amount of {$1000.00}, for each violation, as well as any other damages deemed appropriate for the violation of my rights. 

Investigation into Criminal Activity : I request that the CFPB investigate TSIs actions regarding the unlawful use of my SSN and the potential identity theft. 

Attachments Copy of Cease & Desist notice sent to Transworld Systems XXXX on XX/XX/year>. 
Collection letters received from Transworld Systems Inc. after the Cease & Desist notice