Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
On XX/XX/XXXX, I sent Transworld Systems Inc. a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 809 for a XXXX XXXX XXXX XXXX XXXX account in the amount of {$340.00}. 

TIMELINE OF VIOLATIONS : 1. ORIGINAL VALIDATION REQUEST ( XX/XX/XXXX ) : Sent certified mail requesting complete debt validation documentation. They received this on XX/XX/XXXX. 

2. INSUFFICIENT RESPONSE ( XX/XX/XXXX ) : Transworld provided only basic account information and generic XXXX XXXX codes. They failed to provide : - Original signed service agreement - Complete payment history - Proof of legal right to collect - Chain of ownership documentation - Evidence supporting the claimed balance XXXX. REJECTION OF INSUFFICIENT VALIDATION ( XX/XX/XXXX ) : I sent a detailed letter explaining their response was legally insufficient under FDCPA 809 ( b ) and demanding proper validation or account deletion. This letter was delivered XX/XX/XXXX, with a XXXX deadline of XX/XX/XXXX. 

XXXX. COMPLETE NON-RESPONSE : As of XX/XX/XXXX, Transworld has completely failed to respond to my rejection of their insufficient validation or provide proper documentation. 

XXXX VIOLATIONS : The original utility disconnect occurred on XX/XX/XXXX, during the height of the XXXX pandemic when federal and state protections were in effect, including : - CARES Act utility protections- XXXX  XXXX Orders limiting shutoffs - CFPB XXXX consumer protection rules FDCPA VIOLATIONS : - 809 ( b ) : Failure to properly validate debt upon request - 807 : False/misleading representations about validation - 808 : Unfair practices during pandemic periods This company has completely ignored federal law requirements and continues reporting unvalidated debt to credit bureaus, damaging my credit score and violating my consumer rights.

This description covers all the key points while staying within CFPB guidelines ( no personal info, includes dates and actions, documents the violations clearly ) .RetryDalso wha to put for this oneEditFor the " What would be a fair resolution to this issue? '' section of the CFPB complaint, paste this : 1. Transworld Systems should immediately delete this unvalidated account from all credit reporting agencies ( XXXX XXXX XXXX ) 2. They should cease all collection activities on this account permanently 3. They should provide written confirmation of account deletion within 15 days 4. CFPB should investigate their systematic non-compliance with FDCPA validation requirements 5. Penalties should be imposed for their violations of federal consumer protection laws, including their failure to respond to legitimate validation requests and their potential violations of XXXX consumer protections 6. They should be required to implement proper procedures to ensure compliance with federal debt validation laws for future consumers This resolution request covers the immediate relief you need ( account deletion, cessation of collection, written confirmation ) while also asking the CFPB to take broader regulatory action against Transworld 's practices. It demonstrates that you want both personal resolution and systemic accountability for their violations of federal consumer protection laws.

Company response to consumer: Closed with explanation