Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Re : Unauthorized Possession of Non-Public Personal Information and Means of Identification Notice to an agent is notice to the principal. 

Dear XXXX XXXX, This letter is in response to your correspondence dated XX/XX/year>. While I acknowledge receipt of the documents you furnished, I must categorically state that your company is in violation of multiple federal statutes governing the acquisition, handling, and use of both non-public personal information ( NPPI ) and means of identification. 

Violations Cited : 1. 15 U.S.C. 6801 ( Protection of NPPI ) : Your company has failed to demonstrate any lawful basis for acquiring or possessing my NPPI, nor have you evidenced compliance with the statutory obligations to protect its confidentiality and security.

2. 15 U.S.C. 6802 ( Disclosure of NPPI ) : There is no record of my authorization permitting the transfer, handling, or disclosure of my NPPI to your company. Additionally, you have not provided the legally mandated notices regarding your collection or use of such data.

3. 18 U.S.C. 1028 and 1028A ( Fraud and Related Activity in Connection with Identification Documents ) : Your possession of my means of identificationincluding, but not limited to, my name, address, and other personal datawithout lawful authorization constitutes a violation under federal criminal law.

4. 18 U.S.C. 1341 ( Mail Fraud ) or 1343 ( Wire Fraud ) : Your use of mail and/or electronic communications to send correspondence and purported validation documents involving unlawfully obtained information may meet the criteria for fraudulent activity as defined by these statutes.

You have failed to furnish any assignment contract or other legally binding documentation proving that this alleged debt was transferred to you with my explicit consent. This omission strongly suggests that your possession of my NPPI and means of identification is unlawful and unsupported by any valid legal instrument.

Your claim that you can not instruct consumer reporting agencies to alter or remove this account is patently false. As the party reporting the alleged debt, you are legally responsible for ensuring the accuracy of information furnished to consumer reporting agencies. If your companys unlawful reporting persists, it will constitute further violations of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

I hereby demand that TRANSWORLD SYSTEMS INC : Remove any and all references to this alleged debt from my consumer reports within 10 calendar days of receipt of this letter.

Provide a legally binding document demonstrating my explicit consent for your company to obtain, possess, or process my NPPI and means of identification.

Do not contact me further regarding this matter unless it is to confirm compliance with the demands outlined herein.

Failure to comply with the above demands will result in immediate escalation. I will pursue all available legal remedies, including but not limited to : Filing complaints with the Federal Trade Commission ( FTC ).

Initiating legal proceedings under the applicable statutes cited above. 

Your actions have exposed your company to significant liability, and I strongly advise you to review this matter with legal counsel to assess the merit of your position. This letter serves as formal notice of your violations and my intent to protect my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation