Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (PA)

Dear Sirs, I write today for your help in redressing a wrong that has caused me and my family undue hardship and a lot of money. 

I was applying for a mortgage on a condominium when on XX/XX/XXXX the lender, XXXX XXXX informed me that Transworld Systems , Inc., of XXXX XXXX XXXX XXXX XXXX XXXX, Pa. XXXX, ( XXXX XXXX XXXX ). had FALSELY put a mark on my otherwise spotless credit report on XX/XX/XXXX stating that I had an outstanding unpaid debt to XXXX of {$1400.00} from XXXX. In fact, I have not even had any accounts with XXXX since XXXX so Transworld reporting a XXXX debt alone was FALSE. Also, and just as important I do NOT owe and have never have owed XXXX money outside of your normal monthly bill cable bill that was always paid on time. The account we had in XXXX was on my son 's college house in XXXX, NY. We always paid the bills in a timely manner. We closed the account in good standing with a {$0.00} balance in XXXX. So again both the report of a XXXX bad debt and a debt at all were provably wrong. 

I called XXXX on the same day XX/XX/XXXX to again get them to confirm that fact that nothing was ever owed and they did confirm that we owe them {$0.00}. XXXX sent us the last billing on our account from XX/XX/XXXX showing we owed {$0.00} when the account was closed. Below is some verification : From : XXXX Notification XXXX Date : XX/XX/XXXX at XXXX EDT To : XXXX Subject : Your XXXX bill is ready View and pay your bill on the XXXX XXXX app or at XXXX  XXXX. 
Bill summary for account ending in : XXXX Total amount due : {$0.00} Payment due date : I then called Transworld Systems , Inc. on the same day XX/XX/XXXX and did speak to their representative who gave me to another representative in their " Ace '' department. I informed him that no debt was owed, that I had proof from XXXX that I could give him and that they had falsely ruined my credit report right before I was trying to buy a home. I asked him to remove it and he said he did not want the XXXX information he could only talk to me about me paying Transworld Systems the money. He stated they would not delete it from my credit reports under any circumstance. He did say that if I gave him the {$1400.00} he would give me an email receipt that I paid Transworld Systems. I told him that I didn't owe the money and again stated that I had proof of it from XXXX but he still refused to remove or even investigate it. After he asked me again to pay I realized it was a con job and they didn't care if I really owed or not. Instead they just wanted to extort me for their own gain. 

In doing more investigating since then I have found that XXXX has FALSELY sold my information three separate times since XXXX to debt collectors.

Transworld and XXXX have caused an undue impact to myself and my family. I was turned down by a preferred lender with preferred rates that I had previously worked with because Transworld Systems , Inc report has caused my credit to drop XXXX points into the XXXX 's. I now am going to have to pay {$1000.00} 's more in closing costs as well as XXXX % higher mortgage rate then I would have received without their knowingly false libelous reporting of a false debt. I have proof from XXXX that I do not owe them nor NEVER owed them a past debt yet Transworld reported it and now refuses to delete it from my credit report. They are forcing me to take grievous action against them to right this injustice. 

I request for resolution that Transworld Systems Inc COMPLETE removal/deletion of their false information from all the credit bureaus, that they completely remove/delete me from all of their records. 
Also, I request XXXX PERMANENTLY delete my information from any/all collection reports they have and or sell. And they cease their harassment of me and my family with these provably false and injurious reporting. 

I am hoping/praying the CFPB can use their powers to get this settled for me otherwise I will be forced to other legal avenues for redress. I thank you in advance for all your help. 


Sincerely, XXXX XXXX XXXX