Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Transworld Systems Re : Account Associated with Transworld Systems | Collection Status To Whom It May Concern : I am writing to formally dispute the validity and accuracy of the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). According to the provided details, this account contains significant discrepancies that invalidate its legitimacy : - Future Dates : The account is listed as opened on XX/XX/year>, and last reported on XX/XX/year>, both of which are impossible as these dates have not yet occurred. 
- Conflicting Status : The account is labeled as Open yet marked Placed for collection twice in the remarks, creating ambiguity about its true standing.

- Unspecified Account Type : The Type field is listed as..., which violates standard credit reporting practices. 



Pursuant to the FDCPA and FCRA, I demand the following : XXXX. Proof of Legal Authority : Documentation confirming Transworld Systems legal right to collect this debt, including verification that Transworld Systems is both the original creditor and collector. 

XXXX. Debt Validation : A copy of the signed contract or agreement proving my liability for the alleged {$540.00} balance. 

XXXX. Date Correction : An explanation and immediate correction of the invalid future dates ( XXXX and XXXX ). 

XXXX. Itemized Accounting : A detailed breakdown of the {$540.00} balance, including principal, interest, fees, and charges.

5. Account Status Clarification : A clear explanation of how the account is simultaneously Open and Placed for collection, and resolution of the duplicate remarks.

6. Account Type Disclosure : Specific details about the Type of account, which is currently listed as incomplete ( ... ).

Legal Requirements Under FCRA : - If this debt can not be validated, you must immediately notify all credit bureaus to delete or correct the collection status ( 15 U.S.C. 1681s-2 ( b ) ).

- All inaccuracies, including future dates and conflicting statuses, must be corrected or removed from my credit file.

Demands : - Cease all collection activities and credit reporting until this debt is validated and errors resolved. 

- Remove or correct all invalid, unverifiable, or contradictory information from my credit report. 



Failure to respond within 30 days of receipt of this letter will result in escalated action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. 



Sincerely, XXXX XXXX -- - **Key Legal References** : - **FDCPA 1692g** : Requires debt validation and cessation of collection efforts if disputed.

- **FCRA 1681s-2 ( b ) ** : Mandates investigation and correction of inaccurate credit reporting. 



Sent using the mail.com mail app

Company response to consumer: Closed with explanation