Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. ( TSI ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, phone ( XXXX ) XXXX, for failure to provide adequate debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692g, and for attempting to collect an alleged debt that I dispute in its entirety. Background : TSI sent me a collection letter dated XX/XX/year> ( their File Number XXXX ) claiming I owe {$81.00} to XXXX XXXX XXXX under Invoice Number XXXX. I dispute this alleged debt in full. I never requested the XXXX XXXX service that gave rise to this invoice. I never signed any agreement with XXXX XXXX XXXX obligating me to pay for it. A shipment arrived. I did not order it, authorize it, or agree to bear its cost. No valid contract was ever formed. Prior attempts to resolve with XXXX directly : Before TSI ever contacted me, I sent three separate written letters to XXXX XXXX XXXX disputing this alleged obligation and requesting information. XXXX XXXX XXXX did not respond to any of those three letters. Instead of engaging in good-faith communication, XXXX XXXX XXXX referred the account to TSI for collection. My timely validation demand : Upon receiving TSI 's XX/XX/year> letter, I sent TSI a formal written debt validation demand via USPS Certified Mail, Return Receipt Requested, within the 30-day period specified in their letter. My demand requested ten categories of documentation, including : ( XXXX ) a copy of any signed agreement between me and XXXX XXXX XXXX ; ( 2 ) the complete chain of assignment from XXXX to TSI ; ( 3 ) a complete itemized accounting of the alleged debt ; ( 4 ) a copy of the original invoice ; ( 5 ) copies of my three prior letters to XXXX and any XXXX responses ; ( 6 ) proof of TSI 's Texas debt collection licensure under Texas Finance Code Section 392.101 ; ( 7 ) statute of limitations confirmation ; ( 8 ) proof the debt has not been resolved; ( 9 ) complet e TSI company information ; and ( 10 ) a credit reporting disclosure. TSI 's inadequate response : TSI responded on XX/XX/year>. Their response stated that they were providing " materials obtained from the creditor '' as enclosures and confirmed they are not currently reporting to credit bureaus. Their response did not address a single XXXX of my XXXX specific demands by name or substance. They did not produce a signed contract. They did not prove their authority to collect in Texas. They did not provide the itemized accounting. They did not provide my prior FedEx letters. They provided no documentation responsive to any specific demand. Additionally, TSI 's XX/XX/XXXX response disclosed for the first time that the alleged balance consists of a principal of {$71.00} plus a {$9.00} " Collection Charge. '' I never agreed to pay a collection charge to TSI. No agreement bearing my signature authorizes this fee. The inclusion of an unauthorized charge in the claimed balance may constitute a violation of FDCPA Section 1692f ( 1 ). I have sent TSI a follow-up letter documenting every deficiency in their response and renewing my demand for complete validation. The alleged debt remains disputed in full. Collection activity must remain suspended until TSI provides complete validation. What I am requesting from the CFPB : I am requesting that the CFPB forward this complaint to Transworld Systems Inc. and require a written response. I am also requesting that this complaint be included in the CFPB 's supervisory record for Transworld Systems Inc.

Company response to consumer: Closed with explanation