Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate, unverifiable, and unlawfully reported information appearing on my credit report. 

The account listed as Transworld Systems ( Acct # : XXXX ) is being re-reported and/or re-aged without proper validation or notice. This is a direct violation of multiple federal laws including but not limited to : FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not report information known to be inaccurate.

FCRA 623 ( a ) ( 5 ) ( A ) furnishers must correctly report the date of first delinquency ; changing or resetting that date is unlawful re-aging.

FCRA 611 ( a ) ( 5 ) ( B ) a previously deleted item may not be re-inserted without proper certification and notice.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) a debt collector must cease collection and reporting activity until validation is provided.

FCRA 623 ( a ) ( 7 ) consumers must receive written notice prior to negative information being reported.

Because Transworld Systems failed to comply with these requirements and continues to furnish inaccurate and unverifiable data, I am demanding immediate deletion of this account from all consumer reporting agencies on which it appears. 

Please complete your reinvestigation within the 30-day period required by 15 U.S.C. 1681i ( a ) and provide me with an updated report confirming deletion. If you continue to publish or distribute this account without lawful verification, you will be in willful violation of the FCRA and FDCPA, subject to civil liability under 15 U.S.C. 1681n and 1692k.

TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
Please remove it from my credit report. 



THE LAW IS CLEAR 15 USC 1681E : ( e ) PROCUREMENT OF CONSUMER REPORT FOR RESALE ( 1 ) DISCLOSUREA person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

( 2 ) RESPONSIBILITIES OF PROCURERS FOR RESALEA person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS
BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX XXXX Account Name : Transworld Systems Account Number : ( use the full or partial number shown on your report insert here : XXXX ) Reporting Bureaus : XXXX, XXXX  Violations Identified : Re-aged reporting without proper notice ( FCRA 623 ( a ) ( 5 ) ( A ) ; 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) ) account appears to have been updated or re-reported with a new last reported or date opened, which resets the age and falsely increases derogatory impact. 

Failure to provide validation prior to furnishing data ( FDCPA 809 ( b ) ; 15 U.S.C. 1692g ( b ) ) no validation of debt received before furnishing to the bureaus.

Reporting inaccurate or incomplete information ( FCRA 623 ( a ) ( 1 ) ( A ) ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) balance/date information inconsistent across bureaus.

Failure to provide required notice of negative reporting ( FCRA 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) no written notification of reporting prior to insertion into my file.

Re-insertion without certification ( FCRA 611 ( a ) ( 5 ) ( B ) ; 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) item appears re-added without required certification to CRAs after prior dispute or removal. 

Total potential violations : 5

Company response to consumer: Closed with explanation