Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Summary of the Problem : I am submitting a formal complaint against Transworld Systems IncXXXX for their ongoing mishandling and failure to properly resolve a debt they claim I owe on behalf of XXXX 

This debt is being reported to the credit bureaus and has been in unresolved dispute since XX/XX/XXXX. I have a recorded call with a Transworld representative confirming that my dispute has been " in the air '' for nearly three months with no resolution or formal response. That delay alone violates the Fair Credit Reporting Act ( FCRA ), which mandates timely investigation and response.

The debt itself is from an alleged T-Mobile account that was reportedly opened for only 8 months in XXXX, during the peak of the COVID pandemic. XXXX confirmed that this account was written off and sold in XXXX, and they have no ability to validate or view the itemized charges or original balance. They say they no longer have any access to the account history, meaning they can not confirm the nature of the charges or the alleged device that Transworld is attempting to collect on.

Meanwhile, Transworld claims they need T-Mobile to verify the charges. This creates a legal contradiction : neither party is taking ownership, and yet the item remains on my credit report, harming my ability to access fair lending. 

In addition, Transworld changed the address on my file without ever sending written notice to that new address. When I attempted to send a certified dispute letter, it was returned undeliverable. This reflects serious negligence in their handling of consumer information.

What Im Disputing : The validity and origin of the debt especially the inflated balance based on an alleged device that is now years old and should have no such value.

The failure to validate the debt with documentation ( e.g., contract, device receipt, charge breakdown ). 

The dispute delay since XX/XX/XXXX, which has gone unresolved despite verbal confirmation. 

The inability of T-Mobile to confirm the charges or take ownership of the debt. 

The lack of written notice to my updated address, despite Transworld admitting it was changed in their system.

The harm to my credit as this debt remains unresolved and inaccurately validated.

What I Request : Full validation of the debt, including itemized charges, device return status, and documentation of ownership.

Immediate removal of this account from my credit report if validation is not possible.

Formal investigation into Transworlds practices, including : Their failure to respond within required timeframes.

Their improper handling of mail and address changes.

Their attempt to collect without proper verification.

Oversight into the transfer of this debt between XXXX and Transworld, and whether legal transfer of ownership and records actually occurred. 

Additional Context : This alleged debt was incurred during the XXXX COVID period a time when device returns and telecom service issues were widespread. If this involves a returned device, I request review under COVID-era hardship or logistics relief policies. 

XXXX stated they could accept a full payment and report it as paid, but could not access any billing details, raising concern over the accuracy of the balance being reported.

Company response to consumer: Closed with explanation