Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (NJ)

The collection agency is Transworld. When they first contacted me in XX/XX/2022, I had requested validation of debt since I had not received any notices from them prior to that call. I had spoken with XXXX XXXX at Transworld on XXXX and I had advised her that I had not yet received validation of debt despite the fact that I had requested it when Transworld first spoke with me. She told me that she would send it. I received another call from Transworld after I had spoken with XXXX XXXX. XXXX is the representative that I spoke with on XX/XX/2022. I advised her that they keep calling me but that I had requested again the validation of debt on XX/XX/2022. She stated that they had sent validation of debt after they first spoke with me. I told her that I had never received it which is why I wound up calling them on XX/XX/2022 and requesting it again. I asked her to confirm information as to what address they mailed it to. She stated that on XX/XX/2022 and XX/XX/2022 they sent the information to a different address. I asked why was notice sent to a different address than the one that I had supplied to them during our first call. She said that on XX/XX/2022 it was then mailed to the correct address which I told her that the one they mailed on XX/XX/2022 is the one that I had requested during my XX/XX/2022 call with XXXX XXXX. I asked XXXX to connect me with a supervisor as they wound up reporting this to the credit bureau on XX/XX/2022 which is before I had even received any validation of debt. She wound up connecting me with XXXX XXXX XXXX on that day. I gave him a rundown on my conversations with Transworld and I also told him that the account should not have been reported to the credit bureaus before any validation of debt was received and, in this case, they were sending to the wrong address. I told him that XXXX told me that a couple of the notices were sent to a different address. I told him that because I was attempting to get validation of debt and despite the fact that they had mailed to the wrong address in the beginning, I requested that they remove the account from the bureaus pending investigation. I had asked him to review all of the calls between them and myself, as I the calls are recorded. He said they could have the bureaus add a dispute status. I insisted no, they should remove the reporting pending outcome of their investigation since this was reported one day after XXXX XXXX had mailed the information. I was waiting for the validation of debt. He was supposed to review since in this case, it was not my fault at all that the notices were not received until after. He told me that once he completed reviewing, he would reach out to me. He never did so I wound up calling him again on XX/XX/2022 and I gave him a rundown of the activity on this account once again to refresh his memory. I again mentioned that the account should be removed pending their investigation. During that call, he did mention that this type of circumstance would warrant a removal due to the situation, but he was going over something and not saying it to me directly. He was supposed to review and call me back. I wind up calling him again on XX/XX/2022 and I left a message on his voicemail. To date, this account remains on my credit report as he did not follow through. I need this removed from my credit file so that I can move forward to resolve this issue. Had he pulled the call records and actually reviewed, he would have discovered that the information that I had been supplying is correct on my end. My credit score went down significantly due to their error. They sent me a letter dated XX/XX/2022 stating that they have already investigated and responded to a dispute on XX/XX/2022 and stated that they would continue to report to the credit bureau. They never resolved this issue with me, nor had I received any notification from XX/XX/2022. Please refer to phone calls made.