Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
am writing to formally dispute inaccurate information appearing on my XXXX  credit report dated XX/XX/XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of the following accounts : XXXX. XXXXXXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} This account is incorrectly reporting two ( 2 ) late payments. However, my XXXX report reflects XXXX late payments. Please investigate this discrepancy and correct or delete any inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX Installment ) Account # : XXXX Opened : XX/XX/XXXX Balance : {$12000.00} XXXX dispute the reported missed and late payments. Please provide complete payment history, statements, and documentation verifying all payments made and allegedly missed since account opening. 

XXXX XXXX XXXX XXXX  ( Revolving ) Account # : XXXX Opened : XX/XX/XXXX Balance : {$600.00} XXXX dispute the missed and late payment reporting. Please provide full payment records and verification. 

XXXXXXXX XXXX XXXX XXXX XXXX ( Revolving ) Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX dispute the reported late payments and request full documentation of all payments made and missed. 

XXXX. XXXX XXXX XXXX ( Installment ) Account # : XXXX Opened : XX/XX/XXXX Balance : {$730.00} XXXX dispute the missed and late payment reporting. Please provide full payment documentation. 

XXXX. XXXX XXXX, XXXX ( Installment ) Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX dispute the missed and late payments listed. Please provide verification and full payment records. 

XXXX. XXXX XXXX ( Installment ) Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX dispute the late payment reporting and request full payment verification. 

XXXX. XXXX XXXX, XXXX ( Revolving ) Account # : XXXX Opened : XX/XX/XXXX Balance : {$240.00} This account is being inaccurately reported as charged off with a balance due. Please provide documentation supporting the charge-off status and update the balance to {$0.00} if applicable or delete the inaccurate negative reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Collection ) Account # : XXXX Balance : {$110.00} Original Creditor : XXXX XXXX XXXX I have no contract with this debt collector. Please provide documentation from the original creditor proving ownership of this debt and legal authority to collect it, or delete this account. 

XXXX XXXX XXXX I ( Collection ) Account # : XXXX Balance : {$870.00} Original Creditor : XXXX XXXX XXXX have no contract with this debt collector. Please provide documentation from the original creditor proving ownership of this debt and legal authority to collect it, or delete this account. 

I respectfully request that you conduct a thorough investigation and not rely solely on automated responses or unverifiable conclusions from furnishers. Please provide detailed results of your investigation, including the method of verification and copies of any documentation relied upon, via mail. 

If these accounts can not be fully verified with accurate documentation, they must be deleted in accordance with the FCRA. 

Enclosed are copies of my identification and proof of address to verify my identity. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation