Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. ( TSI ) for a pattern of deceptive practices and willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding a completely invalid alleged debt. Background : The Collection Carousel & Invalid Debt The underlying debt is from XXXX XXXX XXXX XXXX XXXX XXXX. My departure was a Constructive Eviction caused by the landlords material breaches of the lease. On XX/XX/year>, I submitted a formal, XXXX dispute to the landlord. Crucially, TSI is the THIRD collection agency the landlord has used for this exact balance. I successfully disputed this debt with the two previous agencies using my XX/XX/XXXX evidence. Both previous agencies acknowledged the legal dispute, closed their files, and returned the debt. The landlord is now maliciously bouncing this defective debt to TSI. Timeline of TSI 's Violations : The Initial Notice : I received a collection letter in the mail from TSI stating I had until XX/XX/year>, to dispute the validity of this debt. XX/XX/year> ( The Verbal Agreement ) : I called TSI to inform them that the debt was completely invalid and that I was formally disputing it. I notified the representative that I would be providing my full dispute and evidence via email. During this call, the TSI representative explicitly agreed to place the account in " Disputed '' status, agreed they would NOT report the account to the credit bureaus, and stated they would reach back out to me to follow up. XX/XX/year> ( The Written Dispute ) : Immediately following that phone call, and well before the XX/XX/XXXX deadline, I submitted my formal written dispute and evidence via TSI 's official correspondence email. I reiterated my demands to cease collections, not report to credit, and return the account to the landlord. Failure to Comply & Illegal Reporting : TSI broke their verbal agreement and completely ignored my written dispute. They never reached back out to me. Instead, they illegally reported this unvalidated collection account to my credit profile without marking it as disputed, directly violating the FCRA. XX/XX/XXXX ( Harassment & Cover-up ) : After I discovered the illegal credit reporting, I called TSI. Representatives falsely claimed they " could not see '' my XX/XX/XXXX email. Now that they are caught reporting it illegally, they are attempting to backtrack, stating they will only " update it as a dispute '' while explicitly refusing to honor the XX/XX/XXXX agreement to close the file and return it to the landlord. Summary of Illegal Actions : TSI used false representations on the phone to pacify me, ignored a timely written dispute submitted before their own stated deadline, illegally damaged my credit report without providing validation, and is now attempting to apply a bare-minimum " disputed '' status to cover up their FDCPA and FCRA violations XXXX Reference List of Attached Evidence : Please refer to the following attached documents which verify this complaint : Proof of Timely Dispute and Written Demands to TSI ( XXXX - Formal Dispute- TSI - XXXX XXXX XXXXXXXX XXXX XXXX XXXX copy of the XX/XX/year> email sent to TSI ( XXXX ) detailing the dispute and demanding they cease collection and not report to credit bureaus. The Original Dispute and Original Creditor Acknowledgment ( XX/XX/year> Formal Dispute Email & Acknowledgment from Billing Agency ) : My XX/XX/year> email to the original creditor ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). Exhibits A through I : 9 documents proving the underlying debt is invalid due to Constructive Eviction, material lease breaches, and safety failures by the landlord.

Company response to consumer: Closed with explanation