Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
Subject : Complaint against XXXX and TransWorld Systems Inc. ( Debt Collector ) for Attempting to Collect a Fraudulent/Invalid Debt, Violating FDCPA and FCRA I am filing this complaint against both the original creditor, XXXX XXXX XXXX and the debt collection agency, TransWorld Systems Inc. , for attempting to collect a debt that is not owed and for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. The XXXX XXXX : I have an active XXXX account # XXXX. The debt that TransWorld Systems Inc. is attempting to collect does not appear anywhere in my XXXX account statement or transaction history. There is no invoice, no record of service, and no balance for this amount. This is XXXX 's internal billing or accounting error. 
2. XXXX 's Violation ( FCRA & Failure to Investigate ) : On XX/XX/year>, I sent a written dispute and request for validation of this alleged charge directly to XXXX 's billing department via certified mail. 
XXXX did not respond. They failed to conduct any investigation into my dispute as required by the FCRA. 
Instead of resolving their error, XXXX placed the account with TransWorld Systems Inc. for collection. This action demonstrates a complete disregard for their legal duty to address consumer disputes and ensure accuracy before assigning a debt for collection. 

3. Debt Collector 's Actions ( FDCPA Violations ) : On XX/XX/XXXX, I received a collection notice from TransWorld Systems Inc. attempting to collect {$20.00} for XXXX. 
This notice was my first communication TransWorld Systems Inc. I am now sending them a formal written dispute and request for validation via certified mail ( attached as evidence ), invoking my rights under FDCPA 809 ( b ).

By pursuing collection on a debt that the original creditor has failed to validate and that does not exist in my account records, TransWorld Systems Inc. is engaging in unfair and deceptive collection practices.

4. My Attempts to Resolve : I have acted in good faith to resolve this : I first contacted XXXX directly to report their error. 
I am formally disputing the debt in writing with the collector, TransWorld Systems Inc., as required by law. 
I have now sent a formal demand to the XXXX Legal Department ( attached ) to recall the invalid debt and reimburse me for costs incurred due to their error. 
5. Harm & Requested Resolution : This erroneous collection attempt has caused me significant stress, wasted time, and forced me to incur costs for certified mail to protect my rights. It also threatens my credit history. 
I request that the CFPB ensure : 1. XXXX  must immediately recall the invalid debt from TransWorld Systems Inc., correct its internal records, and provide me with written confirmation that {$0.00} is owed.

2. TransWorld Systems Inc. must cease all collection activity, confirm the debt has been recalled, and provide proof that they have not and will not report this invalid debt to any credit reporting agency.

3. Both companies be held accountable for their violations of the FDCPA and FCRA.

4. FedEx reimburse me for the costs I incurred to dispute their error via certified mail.

I have attached the following evidence to this complaint : Copy of the collection letter from TransWorld Systems Inc., Copy of my dispute/validation letter to TransWorld Systems Inc. , Copy of my demand letter to XXXX Legal Department dated XX/XX/year> Screenshots of my XXXX account showing no history of the alleged debt. 
Thank you for your assistance in this matter. This is a clear case of a systemic error by a large corporation and abusive collection practices that require regulatory intervention. 

Please note : I have several other attachments but your site will only allow one attachment. 

The name on my account should be updated to XXXX XXXX ( formerly XXXX XXXX

Company response to consumer: Closed with explanation