Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Transworld Systems Inc. ( TSI ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Demand for Proof of Assignment of Rights and Legal Authority to Collect To Whom It May Concern, I am responding to your continued collection activity and credit reporting regarding the alleged account originally held with XXXX XXXX XXXX, now purportedly assigned to your agency under account number XXXXXXXX XXXX XXXX XXXX XXXX I have already disputed this account and requested full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Your response has not provided any sufficient documentation showing that your company has legal authority to collect or report this alleged debt.

I understand that you are not required to provide the entire purchase agreement, and I am not requesting that. However, under federal law, you must be able to demonstrate that : The debt has been legally assigned to your agency.

You have the legal authority to collect and/or report it.

The amount claimed is accurate and verifiable.

Your agency is not engaged in deceptive collection or reporting activity.

I am therefore demanding a copy of the Assignment of Rights or Contract, or any legally binding documentation that shows this alleged account was transferred or assigned to your agency not as part of a general bulk sale, but with specific reference to my account.

If you are unable to provide full and proper documentation proving your legal right to collect and report this account including a clear assignment of rights specific to my alleged debt then this account is unverifiable and incomplete under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and the FDCPA, 15 U.S.C. 1692g ( b ).

Continuing to report or collect on an account without the proper legal foundation constitutes willful noncompliance with federal law and opens your company to liability under 15 U.S.C. 1681n and 1692k. 
Continuing to report or collect on an account without the proper legal foundation constitutes willful noncompliance with federal law and opens your company to liability under 15 U.S.C. 1681n and 1692k.

Legal Citations : 15 U.S.C. 1692g ( b ) : Debt collection must cease until verification is provided.

15 U.S.C. 1681s-2 ( b ) : Furnishers must report only accurate and verifiable information.

15 U.S.C. 1681e ( b ) : Requires procedures to ensure maximum possible accuracy. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Chain of assignment must be provided. 

XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : No collection without verification. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus and furnishers must investigate disputes thoroughly. 
You have 15 days from receipt of this letter to respond. 

Please be advised that this matter has already been escalated through the Consumer Financial Protection Bureau under Complaint ID : XXXX. If you continue to report or collect on this account without providing legally required documentation, I will submit supplemental evidence to the CFPB and pursue further enforcement action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation