Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
XX/XX/XXXX Transworld Systems Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute of Alleged XXXX Account FCRA Violation, Contract Breach, and Demand for Damages To Whom It May Concern, This letter serves as a formal dispute of an alleged debt being reported and/or collected by your company, Transworld Systems Inc., on behalf of XXXX. The debt appears on my credit report under the name [ XXXX  / Transworld Systems Account XXXX XXXX ] and is inaccurate, unverified, and improperly handled in violation of federal consumer protection laws and binding contractual obligations. 
Violation of FCRA Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate or unverifiable information. This account is inaccurately reported, and no sufficient validation has been provided to confirm its legitimacy. Continuing to report this information without verification constitutes willful noncompliance with the FCRA. 
Breach of XXXX Mandatory Arbitration Agreement As a former XXXX  customer, I was subject to their Terms & Conditions ( effective XX/XX/XXXX ), which include a mandatory, binding arbitration agreement and a requirement to engage in a XXXX informal resolution process before any debt is pursued through third parties. XXXX violated this agreement by failing to notify me of any dispute or resolution options prior to placing or selling this account to your agency. 
You and we agree that neither of us may commence any arbitration or court proceeding unless we are unable to resolve the claim ( s ) within 60 days after receipt of the Notice of Dispute XXXX Terms & Conditions, Dispute Resolution Section XXXX failure to follow this agreed-upon process invalidates any downstream collections or credit reporting efforts by your company. 
Demand for Immediate Action and Compensation Accordingly, I demand the following : 1. Immediate deletion of this account from all consumer reporting agencies ; XXXX. Complete cessation of all collection activities related to this account ; XXXX. Written validation of the debt, including : - A copy of the original signed agreement with XXXX XXXX XXXX Full billing history and breakdown of charges ; - Documentation showing compliance with dispute resolution procedures. 
Furthermore, due to XXXX ( XXXX ) months of inaccurate, harmful reporting, which has negatively affected my credit profile and financial well-being, I am seeking a settlement in the amount of {$5000.00} for damages, stress, and lost financial opportunities resulting from your reporting of this invalid debt. 
Failure to respond appropriately within 30 days will result in immediate action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, along with any legal remedies available under the FCRA and contract law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation