Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Formal Dispute, Demand for Validation, and Notice of Intent to Litigate Account/Reference Number : XXXX I. Introduction I am submitting this formal dispute regarding an alleged debt that Transworld Systems XXXX claims to own or collect. I am disputing the validity, accuracy, and ownership of this alleged account. This correspondence constitutes a formal notice under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), Regulation F ( 12 CFR 1006 ), and applicable contract law.

II. Statement of Facts Transworld Systems XXXX alleges that I owe an outstanding balance purportedly assigned to it from an original creditor.

I have never received adequate documentation proving that Transworld has a legal right to collect this debt.

Any attempt to collect this debt without proper validation is unlawful and actionable.

III. Demands for Validation and Documentation Pursuant to 15 U.S.C. 1692g and 12 CFR 1006, I demand : Complete validation of the alleged debt, including : Itemized statement showing the original amount, interest, fees, credits, and payments ; The name and address of the original creditor ; A copy of the original signed credit agreement or application.

Proof of ownership and authority to collect, including : Chain of title showing all assignments from the original creditor to Transworld Systems XXXX ; Any purchase agreement, bill of sale, or contract of assignment, including chain of custody ; Any service agreement or documentation proving Transworlds legal interest in the alleged debt.

Proof that Transworld sent a proper validation notice within five ( 5 ) days of the initial communication as required under 12 CFR 1006.34 ( a ), proof of mailing and delivery.

A full accounting of the alleged debt from the opening of the account through all payments and collections.

IV. Legal Basis Attempting to collect a debt without proper documentation violates 15 U.S.C. 1692g.

Misrepresenting ownership or authority to collect violates 15 U.S.C. 1692e and 12 CFR 1006.18.

Under contract law, any collection or credit reporting activity without valid assignment and documentation is a breach of legal duty.

V. Case Law Supporting My Position Geen v. Portfolio Recovery Associates debt collectors must prove legal ownership and authority to collect.

Brown v. Transworld Systems , Inc. courts ruled against Transworld for failing to validate debts properly.

Moten v. Transworld Systems Inc., Borcherding-Dittloff v. Transworld Systems , Inc. , Osorio v. Transworld Systems , Inc. similar findings where Transworld failed to substantiate debt claims. 

VI. Demand Cease all collection activity until proper documentation and validation are provided.

Delete any related entries from all credit reporting agencies if Transworld fails to provide full validation and proof of assignment.

Respond in writing within 30 days of receipt of this notice.

VII. Notice of Intent to Litigate If Transworld Systems XXXX fails to comply with these demands, I am prepared to file a civil action for : Violations of the FDCPA ( 15 U.S.C. 1692 et seq. ) and Regulation F ; Defamation and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) ; Breach of contract and misrepresentation.

This letter constitutes formal notice of my intent to pursue all legal remedies available.

Company response to consumer: Closed with explanation