Consumer complaint received 2018-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (GA)

Invalid XXXX lawsuit Compliant : Please help me. 

( Reference : Federal Consent Order Against XXXX, Case XXXX : XXXX : XXXX ) I was served with a Summons to answer a complaint within 30 days after service of the summons with a General Civil and Domestic Relations Case Filing in the State Court of XXXX County, State of XXXX. 

CFPB currently has an active Federal Consent Order where XXXX  agreed to these and many more Enforcement terms : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 

Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

Stop filing false or improperly notarized legal documents : Under the terms of the proposed final judgment and the consent order, the companies are prohibited from filing false or misleading legal documents and are required to ensure all documents that require notarization are properly notarized. 

This complaint filed against me is for a private student loan that I had difficulty determining what my balances where and paying back on time. I tried to reconcile balances from the lender for which they never responded ( 8 ) eight years ago. I have no idea who owns the loan, I have no idea what my true balances are. They never responded to my many written requests. 

This complaint is invalid because the debt is outside the statute of limitations for the State of XXXX  ( where the debt occurred ) and the State of XXXX ( my current residence for 4+ years now ). I have not made a payment in over ( 7 ) years. 

The debt collecting attorney has filed false documentation by providing a transaction history list of payments that I did not make from XXXX to XXXX in an effort to persuade the court that they have justification for filing a lawsuit and to give them a judgement for wage garnishment. This document is completely false. They could not possible provide a banking transaction document that proves that I have made payments. Also, there is no clear change of ownership title. I have no idea who actually has the right to collect on my XXXX XXXX  private student loan. 

I don't know how an officer of the court, a licensed attorney can get away with filing fraudulent documentation to the court without being disbarred. 

I read the XXXX Consent Order with XXXX where these complaints were addressed and XXXX has agreed to STOP debt collections actions via lawsuits. 

However in this case they seem to be ignoring the Consent Order. 

I looked up the Loan Agreement numbers listed in the Consent Order. Listed in the debt collection attorney exhibit is a sale agreement with the number XXXX XXXXXXXX, which matches and would mean that the loan they have listed is covered under the Consent Order XXXX has agreed to. 

Can you contact the debt collection attorney and ask him to abide by the federal Consent Order and withdraw his complaint before XX/XX/XXXX? This is the date I would otherwise have to file a response to the complaint to the court to prevent an illegal wage garnishment. 

1 ). My XXXX XXXX private student loan is outside the statute of limitations. 
2 ). Documentation filed with the Summons is completely false. 
3 ). I don't have a loan agreement with XXXX, I have no idea who has the right to collect on my private student loan. I don't have any documentation from the original lender stating this loan is to be paid to someone else. 

Can you contact the XXXX debt collection attorney and ask him to withdraw his false court claim and to abide by the your federal Consent Order? 

XXXX XXXX XXXX, XXXX. 
XXXX Bar No. : XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX