Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OH)

I am filing a complaint again due to the agency failing to understand where they have conducted unfair practices and deception behaviors. As stated under the fair debt collection act 15 U.S.C. 1692 Additionally, in their first communication with the consumer, debt collectors are required to notify debtors about their ability to challenge the validity of a debt and to provide other basic information.Notify the consumer of their right to dispute the debt ( Section 809 ), in part or in full, with the debt collector. The 30-day " 1692g '' notice is required to be sent by debt collectors within five days of the initial communication with the consumer, though in XX/XX/XXXX the definition of " initial communication '' was amended to exclude " a formal pleading in a civil action '' for purposes of triggering the 1692g notice, [ 30 ] complicating the matter where the debt collector is an attorney or law firm. The consumer 's receipt of this notice starts the clock running on the 30-day right to demand verification of the debt from the debt collector. [ 19 ] Reporting false information on a consumer 's credit report or threatening to do so in the process of collection [ 28 ] The complaint again that I have stated the first time and nothing is being done on the company end to remove my account from the credit bureaus immediately. ask I have stated that they have FAILED to notify me of the debt. they have placed it on my credit report first before they have sent me a written letter. 

I received a notification on my credit report that a new debt has been added to my credit report in XX/XX/XXXX from TSI/XXXX. I contacted the reporting agency via phone to see what this was regarding the amount of {$100.00}. I was told that it was for a medical bill I explained to them That I not once received a letter stating that a debt was owed for this medical bill and that they are violating the fair credit reporting act / fair debt collection act. Because I never received an original letter of the right to dispute or a letter stating that it will be reported on my credit report or resolved it before it went toward my credit report. The female that I talked to was extremely rude on the phone and refuse to understand what I was explaining to her how I know these laws are out there to protect the customers and she treated me like I did not know what I was talking about which the conversation ended in a verbal screaming, cussing, and match. I even stated that I will dispute it because I never received the right to dispute and she stated dispute it your not going to win it still will be on your report regardless which I find that is a complete abuse of authority I was originally wanting to resolve the matter before it went to my credit report but I was more upset that it went on my credit report because I did not want any damage done to my credit score. 3 weeks after the incident I received a letter for the amount I never received the original right to dispute before it is reported on my credit report before any damage was done to my credit score. 

As I have stated the laws in the first half since they do not believe that they have done any wrong the company response can be read on the last complaint as well. I believe that no corrective actions are being conducted such as removing the debt from the credit reports since they have violated to notified me of these " owed '' debts.